Document of Travel Insurance

Transcription

1 Documet of Travel Isurace

2 Why ot take oe of our hady tear-out cards away with you? IMPORTANT TRAVEL NUMBERS 24hr Emergecy Assistace Outside the UK Withi the UK Customer Services Claims For TextDirect: dial first. Calls may be recorded. IMPORTANT TRAVEL NUMBERS 24hr Emergecy Assistace Outside the UK Withi the UK Customer Services Claims For TextDirect: dial first. Calls may be recorded. IMPORTANT TRAVEL NUMBERS 24hr Emergecy Assistace Outside the UK Withi the UK Customer Services Claims For TextDirect: dial first. Calls may be recorded.

3 Welcome to LV= We re delighted you ve chose us Thaks for buyig a LV= isurace policy. We re really pleased that you ve chose us for your travel isurace eeds ad we re cofidet you ll be happy with the cover ad service you receive. This booklet cotais everythig you eed to kow about your isurace cover ad how to cotact us. So make sure you keep it safe with your travel isurace schedule. Exceptioal service Our claims service goes the extra mile - committed to doig the right thig for our policyholders, we ll aim to settle claims quickly ad efficietly, eve i the most difficult circumstaces. Should you ever eed to make a claim, just call our friedly UK call cetre o We hope you ll be a LV= customer for may years to come. Joh O Roarke Maagig Director Liverpool Victoria Isurace Compay Limited 1 DOCUMENT OF INSURANCE TRAVEL

4 Cotets Page Welcome to LV= 1 Summary of policy limits 3 Your travel isurace policy 5 Defiitio of words 6 Importat iformatio about your policy 10 Importat iformatio about health declaratios ad health exclusios 13 Geeral exclusios 15 Geeral coditios 16 Activities 18 Sectio A: If you eed to cacel your trip before you travel 20 Sectio B: If you eed to cacel excursios or activities while o your trip 22 Sectio C: If you eed to cut short/cacel your trip after you ve left home 24 Sectio D: Emergecy medical ad related expeses 26 Sectio E: If you die, lose your sight or a limb, or are permaetly disabled 29 Sectio F: Cover if you re legally resposible for damage or loss to a perso or property 30 Sectio G: Legal advice ad expeses cover 32 Sectio H: Hijack or kidap cover 34 Sectio I: If you re delayed at your departure poit 35 Sectio J: Cacellatio (abadomet) cover if your trasport is delayed for more tha 24 hours or cacelled 36 Sectio K: Additioal trasport ad/or accommodatio costs 37 Sectio L: If your trasport, accommodatio or excursio provider goes bakrupt 40 Sectio M: Cover for items you take o a trip 43 Sectio N: Cruise cover 48 Makig a claim 50 How to make a complait 50 DOCUMENT OF INSURANCE TRAVEL 2

5 SUMMARY OF POLICY LIMITS The followig is oly a summary of the mai limits of cover. Some sectios of cover have other limits. Uless specifically stated as differet the cover is the same o both the Essetial ad Premier policy. Your schedule will show if you have a Premier or Essetial policy. You should read the rest of this policy for the full terms ad coditios. Sectio of cover Limit of cover per perso Excess per perso Page If you eed to cacel your trip Essetial policy - 5, before you travel Premier policy - 10,000 If you eed to cacel Essetial policy - 5, excursios or activities Premier policy - 10,000 while o your trip If you eed to cut short/cacel Essetial policy - 5, your trip after you ve travelled Premier policy - 10,000 Emergecy medical ad related expeses If the area of cover show 10 millio o your schedule is Europe or worldwide If the area of cover show 2,000 o your schedule is UK If you die, lose your sight or 25,000 Nil 29 a limb, or are permaetly (some age restrictios apply) disabled because of a accidet Cover if you re legally 2 millio Nil 30 resposible for damage or loss to a perso or property Legal advice ad 25,000 Nil 32 expeses cover (max 50,000 per policy) Hijack or kidap cover 2,000 Nil 34 The followig sectios oly apply if you have a Premier policy Sectio of cover Limit of cover per perso Excess per perso Page If you re delayed at your 250 Nil 35 departure poit ( 25 for each 12 hours) Cacellatio (abadomet) 10, cover if your trasport is delayed for more tha 24 hours or cacelled Additioal trasport ad/or 1,000 Nil 37 accommodatio costs If your trasport, 10,000 Nil 40 accommodatio or excursio provider goes bakrupt 3 DOCUMENT OF INSURANCE TRAVEL

6 The followig sectio oly applies if you have selected cover for baggage/persoal belogigs ad this is show as covered o your schedule Sectio of cover Cover for items you take o a trip Part 1 Replacemet or hire of essetial baggage items while o a trip Essetial policy Limit of cover per perso Premier policy Limit of cover per perso Excess per perso Page Nil 43 Part 2 Damaged, lost or stole baggage ad valuables Overall limit 2,000 Total valuables limit 300 Sigle item limit 300 Overall limit 3,000 Total valuables limit 500 Sigle item limit Part 3 Loss or theft of persoal moey 500 (cash limit 300) 500 (cash limit 300) Part 4 Loss of your passport Part 5 Loss of your drivig licece If your schedule shows you have cover for a cruise the followig cover also applies: Sectio of cover Cruise cover Part 1 Cover to re-joi the cruise after illess Part 2 Cover if you miss a port departure Part 3 Compesatio if a scheduled port stop is cacelled Part 4 Cabi cofiemet Essetial policy Limit of cover per perso Premier policy Limit of cover per perso Excess per perso Page 1,000 1,000 Nil 48 No cover 1,000 Nil per port 150 per port Nil per day up to 1, per day up to 1,500 NIl 49 DOCUMENT OF INSURANCE TRAVEL 4

7 Your travel isurace policy Please read this documet of travel isurace, the schedule ad importat iformatio leaflet as oe documet. This is your cotract of isurace with us. I retur for your premium we ll give you isurace cover as set out i this booklet accordig to the policy type, cover selectios ad period of cover show o your schedule. Go to for useful iformatio o coutries ad travellig: visit the travel advice sectio for up to date destiatio iformatio research local laws ad customs before you travel check out medical requiremets by visitig or your GP at least six weeks before you travel make copies of importat travel documets or store them olie usig a secure data storage site uderstad what the Foreig & Commowealth Office ca ad ca t do for travellers 5 DOCUMENT OF INSURANCE TRAVEL

8 Defiitios of words Whe the followig words ad phrases appear i bold i this documet or appear o the schedule, they have the meaigs give below. Area of cover Baggage Childre You will ot be covered if you travel outside of the area show o your schedule ad explaied below. UK - Eglad, Scotlad, Wales, Norther Irelad, Isle of Ma ad the Chael Islads. Europe - Albaia, Adorra, Austria, Azores, Balearic Islads, Belarus, Belgium, Bosia ad Herzegovia, Bulgaria, Caary Islads, Chael Islads, Croatia, Cyprus, Czech Republic, Demark, Egypt, Eglad, Estoia, Filad, Former Yugoslav Republic of Macedoia, Frace, Germay, Gibraltar, Greece, Greek Islads, Hugary, Icelad, Irelad, Isle of Ma, Italy, Kosovo, Latvia, Liechtestei, Lithuaia, Luxembourg, Madeira, Malta, Moldova, Moaco, Moteegro, Morocco, Netherlads, Norther Irelad, Norway, Polad, Portugal, Romaia, Russia west of the Ural moutais, Sa Mario, Scotlad, Serbia, Slovakia, Sloveia, Spai, Swede, Switzerlad, Tuisia, Turkey, Ukraie, Wales ad Vatica City State. Worldwide excludig North ad Cetral America, Caribbea ad Bahamas - Aywhere except the followig places: Aguilla, Atigua, Aruba, Bahamas, Barbados, Barbuda, Belize, Caada, Cayma Islads, Caribbea Islads, Costa Rica, Cuba, Curacao, Domiica, Domiica Republic, El Salvador, Grad Cayma, Greada, Guadeloupe, Guatemala, Haiti, Hawaii, Hoduras, Jamaica, Martiique, Mexico, Motserrat, Netherlads Atilles, Nicaragua, Paama, Puerto Rico, Sait Barthélemy, Sait Eustatius, Sait Kitts ad Nevis, Sait Lucia, Sait Marti, Sait Vicet ad the Greadies, Triidad ad Tobago, Turks ad Caicos Islads, Uited States of America, Virgi Islads (British ad Uited States). Worldwide - Aywhere i the World. Each of your suitcases, truks ad similar cotaiers (icludig their cotets), possessios ad items you wear, carry or use, that are take o or purchased durig a trip by you, but ot valuables (which are defied below). Baggage icludes sports equipmet such as golf clubs, witer sports equipmet, scuba equipmet ad mobility aids (such as wheelchairs). Ay isured perso, other tha the policyholder ad the policyholder s spouse or parter, who is aged 21 years or uder ad amed o the schedule. Childre are automatically covered if they are travellig with the policyholder, the policyholder s spouse or parter, or a adult (aged 22 years or over) isured by this policy, or as part of a orgaised school, uiversity or club trip accompaied by a resposible adult. Childre aged years ca be covered whe travellig uaccompaied if this optio is selected by you ad is show o your schedule. DOCUMENT OF INSURANCE TRAVEL 6

9 Colleague Cruise Doctor Ed supplier Home Legal actio Legal costs Legal represetative Period of cover A perso i the Uited Kigdom who works for the same compay as you ad who, if away from work at the same time as you, would prevet the busiess from ruig properly. A director of the compay must be able to cofirm this i the evet of a claim. A jourey that icludes more tha 48 hours spet o a ship or boat. The jourey must iclude a predetermied course ad have at least oe scheduled stop. A legally qualified medical doctor who holds the ecessary medical certificates eeded i the coutry i which they are practisig. This ca t iclude you, a travellig compaio, someoe you work with or a relative. Please refer to the start of sectio L for this defiitio. Your usual place of residece i the Uited Kigdom. This meas the settlemet egotiatios, hearigs i a civil court, arbitratio, ad ay appeals resultig from such hearigs, that we ve agreed to. This does t iclude ay applicatio by you to the Europea Court of Justice, Europea Court of Huma Rights or similar Iteratioal body. This meas fees, costs ad expeses (icludig Value Added Tax or equivalet local goods ad services taxes) that we agree to pay for you i coectio with legal actio. Also, ay costs that you are ordered to pay by a court or arbitrator (other tha damages, fies ad pealties) or ay other costs we agree to pay. This meas the solicitor or appropriately qualified perso, firm or compay, icludig us, who is chose to act for you i your claim for compesatio. For sigle trip cover Cacellatio cover begis from the cover start date show o your schedule ad eds whe you start your trip. For all other sectios, cover starts at the begiig of your trip ad fiishes o the cover ed date show o your schedule, or whe your trip eds if that is earlier. If you ca t fiish your trip as plaed because of death, ijury or illess or there is a delay to the public trasport system that ca t be avoided, we ll exted cover free of charge util you ca reasoably fiish your trip. For aual multi-trip cover Cacellatio cover begis o the cover start date show o your schedule or the date you booked your trip, whichever is later, ad eds whe you start your trip. For all other sectios, cover starts at the begiig of your trip ad fiishes at the ed of your trip. All cover eds o the cover ed date show o your policy uless you ca t fiish your trip as plaed because of death, ijury or illess or there is a delay to the public trasport system that ca t be avoided, i which case we ll exted cover free of charge util you ca reasoably fiish your trip. 7 DOCUMENT OF INSURANCE TRAVEL

10 Pre-existig coditio or pre-existig medical coditio Please see page 13 poit 1 for the defiitio of this term. Relative Residet Schedule Travellig compaio Trip Uited Kigdom (UK) Your mother (i-law), father (i-law), step paret (i-law), legal guardia, sister (i-law), brother (i-law), wife, husbad, so (i-law), daughter (i-law), step child, foster/adopted child, gradparet, great gradparet, gradchild, great gradchild, ucle, aut, ephew, iece, cousi, parter (icludig commo law ad civil parter) or fiacé(e). A perso who has their mai home i the Uited Kigdom. This idetifies who is covered by the policy, the period of cover, the area of cover, the type of policy you have purchased (Essetial or Premier), if you have cover for your baggage/persoal belogigs ad/or to take part i witer sports ad ay coditios (edorsemets) which may chage the terms of this documet of isurace. A perso that has booked to travel with you o your trip. A jourey that takes place durig the period of cover which begis whe you leave home ad eds whe you get back home, or to a hospital or ursig home i the Uited Kigdom, whichever is earlier. Trips withi the Uited Kigdom must have either pre-booked accommodatio, or be more tha 25 miles from your home, or ivolve a sea crossig. For sigle trip cover a trip ca t be more tha 366 days if you are less tha 65 years of age or more tha 90 days if you are 65 years of age or over. Your trip is from the trip start date to the cover ed date show o your schedule if you retur home before your cover ed date, all cover will also ed For aual multi-trip cover you will oly be covered if you were aged 79 years or uder o the date that your travel isurace quote was give there is o limit o the umber of trips that you take durig the period of cover ay trip that is booked to last loger tha 31 days is ot covered o the Essetial policy ay trip that is booked to last loger tha 90 days is ot covered o the Premier policy Eglad, Scotlad, Wales, Norther Irelad, the Chael Islads ad the Isle of Ma. DOCUMENT OF INSURANCE TRAVEL 8

11 Valuables We, our, us You, your, isured perso Jewellery, watches, glasses (icludig su glasses), cotact leses, hearig aids, ay electric, electrical or electroic items or equipmet icludig their accessories (eg mobile phoes, laptops, games cosoles, portable audio equipmet, portable visual equipmet, memory sticks, chargers, dogles), ay kid of photographic or recordig equipmet ad their accessories (icludig CDs, DVDs, tapes etc), items made of or cotaiig precious metals or (semi) precious stoes, furs, aimal skis, atiques, bioculars, telescopes, musical istrumets. Liverpool Victoria Isurace Compay Limited ad, where used, its appoited agets. Each perso show o the schedule, for whom the appropriate isurace premium has bee paid. 9 DOCUMENT OF INSURANCE TRAVEL

12 Importat iformatio about your policy How your policy works Uless specifically stated, all the terms, coditios ad limits apply to each isured perso. The purpose of ay isurace is to provide cover for the uexpected. Travel isurace is complex ad does ot cover all situatios. It also oly provides cover for costs that you re ot etitled to recover by way of compesatio or a refud from elsewhere. There is o cover uder this policy if you book a trip from a travel or bookig aget ad they go bakrupt. To protect yourself agaist this risk always book with a aget that is protected by the ATOL scheme (you ca get more iformatio at ad also check each elemet of your trip is covered before you make your purchase. Sectio 75 of the Cosumer Credit Act outlies that whe you buy somethig usig your credit card your cotract is with both the trader ad the card issuer, which meas both the trader ad card issuer have equal liability for aythig that goes wrog. You may therefore be able to take actio agaist either of them to get compesatio. The legislatio is restricted to goods sold for more tha 100 ad less tha 30,000. Please be aware that if a major evet occurs that affects a umber of people, gettig compesatio from a provider or credit card compay may take a log time. Your travel isurace policy must ot be used to travel for medical advice or treatmet ad must ot be used as a private medical isurace policy. Private treatmet is oly covered if there is o public alterative available. Your resposibility to provide correct iformatio Whe applyig for, amedig or reewig this isurace, you must aswer all questios truthfully to the best of your kowledge, icludig questios that apply to ay other perso covered by this isurace. Your schedule shows the aswers you ve provided ad you must let us kow if ay of the details are icorrect as soo as possible after receivig your documets. If you have a aual policy, you must also let us kow if ay of the iformatio has chaged at reewal, icludig: if you kow of ay reaso why a trip could be cacelled, such as the ill health of a relative; if ayoe o the policy is waitig for ay medical ivestigatio or tests whether for a ew or existig coditio; if ayoe is sufferig from ay symptoms of illess; if ay ew medical coditio has bee diagosed that is t show o your schedule, or ay previously declared coditio or symptom has chaged sice you told us about it. The chage may be for you or a travellig compaio. Please read the health declaratio ad exclusios o pages 13 to 15 for more iformatio. You ll oly be covered from the reewal of your policy if you ve told us about ay chages ad we ve agreed to provide cover ad issued a schedule that shows this. If you do t tell us, we may reject ay claim or reduce the amout of paymet we make. If we agree to your chage, this may result i a additioal or retur premium. Cacellatio Your cacellatio rights Up to 14 days after you receive your documets For sigle trip policies where the cover start date to the cover ed date is 28 days or less No refud of premium will be give DOCUMENT OF INSURANCE TRAVEL 10

13 For policies that have a cover period of more tha 28 days At the start of your isurace, whe you receive your documets, you have 14 days to check you re happy with the isurace cover you ve bought. If the cover does t meet your eeds, you ca cacel by tellig us ad we ll refud all the moey you ve paid withi 30 days of you tellig us that you d like to cacel. If you ve made a claim you must pay back ay moey paid to you i settlemet of the claim withi 30 days. More tha 14 days after you receive your documets After the iitial 14 day period, we wo t refud ay premium eve if you ve ot travelled or made a claim. Cacellatio at reewal We ll sed you a reewal ivitatio aroud three weeks before your reewal date. This will show your reewal premium ad ay chages to your cover. If you reew but the decide to cacel, provided you tell us before your reewal date, we ll refud what you ve paid i full. If you cacel after your reewal date has passed you will be charged i lie with the cacellatio rules detailed above. We reserve the right ot to ivite reewal of your policy. If this is the case we ll write to you aroud three weeks before the policy ed date explaiig the reaso. To cacel your isurace cover Please call us o (for TextDirect please dial first) Our right to cacel We ll cacel your isurace by givig you seve days otice if: you do t pay the premium ad we have otified you that the outstadig amout is required by a specific date you or ayoe else covered by this isurace has ot met the terms ad coditios i this documet of travel isurace icludig those show o your schedule a chage i your circumstaces meas that we ca o loger provide cover we idetify misrepresetatio or fraud or ay attempt to gai a advatage uder this isurace to which you re ot etitled (see geeral coditio 1 o page 17) you behave i a maer that makes it iappropriate for us to cotiue your isurace eg if you harass or show abusive or threateig behaviour towards our staff Our cacellatio letter will be set to your last kow address ad cofirm the reaso for cacellatio. Your isurace will ed immediately the 7 days otice rus out, but if you ve just take out a policy or reewed with us ad the premium is upaid, we ll cacel your isurace from the start/reewal date. We ll refud the balace for the remaiig period of cover uless we ve idetified fraud. If a claim has bee made, we ll cacel your cover but we may ot refud ay premium. Reewig your isurace cover If you have aual multi-trip cover, we ll sed the policyholder a reewal otice before the cover ed date show o the schedule. We may chage the terms of your cover ad the premium at the reewal date. We ll give you aroud 21 days writte otice before the reewal date if this happes. Whe you reew the policy you must tell us about aythig 11 DOCUMENT OF INSURANCE TRAVEL

14 that has chaged, or is ot correct o your policy schedule ad check that you still keep to the health declaratio (see pages 13 to 15). If you do t tell us about aythig that has chaged or keep to the health declaratio, this may mea your isurace is ot valid. Air passeger rights If your flight is covered by EU law you re etitled to make a claim from the airlie i certai situatios. For istace: if your flight is delayed ad the delay is the fault of the airlie, you may be etitled to care ad assistace for food, drik, phoe calls ad accommodatio as appropriate. The delay period required depeds o whether the flight is a short, medium or log haul flight after a delay of five hours you are etitled to a refud if you o loger wish to travel if you are asked or forced to give up your seat (eg because of overbookig) you should be offered fiacial compesatio your checked i baggage is damaged, lost or delayed. For damage to checked-i baggage, you must claim i writig to the airlie withi seve days of your baggage beig retured. For delayed baggage you must claim withi 21 days of your baggage beig retured Your flight is covered by EU law if it is departig from a EU airport or arrivig at a EU airport ad operated by a EU airlie. Uder this law, EU airports also iclude those i Icelad, Liechtestei, Norway ad Switzerlad. For more iformatio visit the passeger area of Reciprocal health care arragemets You must use public medical facilities wherever it is possible to do so. If you re travellig withi the Europea Ecoomic Area (EEA) coutries ad Switzerlad you must take ad use the Europea Health Isurace Card (EHIC). This allows you to access the state provided healthcare i these areas. Use of the EHIC may ot cover everythig you d expect to get free of charge from the Natioal Health Service (NHS). Applyig for a EHIC is free. You ca apply olie at or by callig You will eed your NHS or Natioal Isurace umber. The EHIC is valid for up to five years. You must remember to reew it whe it expires ad you ca reew a EHIC up to six moths before the expiry date. I the evet that you require medical treatmet i Australia you must erol with a local Medicare office i order to take advatage of the reciprocal health agreemets curretly i place. You will eed your passport ad a valid visa ad you must make claims for refuds uder the Medicare scheme before you leave Australia. For more iformatio visit Whe you use these arragemets or ay other similar health arragemet with aother coutry to reduce your medical expeses, you wo t have to pay a excess. Trasfer of rights You ca t trasfer your rights uder this policy. A perso, partership (whether limited or ot) or a compay who is t amed o the schedule for this policy, has o rights uder the Cotracts (Rights of Third Parties) Act 1999 to eforce ay of its terms. DOCUMENT OF INSURANCE TRAVEL 12

15 Advice before you travel We ca provide iformatio about medical facilities, visas ad vacciatios, ad reciprocal health agreemets. Call our 24 hour pre-travel advice lie o For TextDirect, please dial first. Please quote your policy umber whe you call. Help while you re o a trip Our 24 hour emergecy medical assistace lie is available 365 days of the year ad is provided by CEGA Group Services Limited. You must call this lie if you thik you eed to cut your trip short, before goig to a hospital or you eed medical treatmet that may cost more tha 500. If you re uable to call because you re gettig emergecy treatmet, you must call as soo as you are able to. If you re i Europe ad eed emergecy services rapid assistace, dial 112. If you have ay questios about your cover, please do call us o (for TextDirect please dial first). Importat iformatio about health declaratios ad health exclusios that apply to you ad others your travel may deped o Please read this sectio carefully. The iformatio below explais what you must tell us about ad whe. It also explais what is ad is t covered i relatio to people s medical health. If you eed to make a claim we ll check the medical health iformatio with the doctor the perso is registered with. For this reaso it is importat that the iformatio we record whe you take out or reew a policy is a accurate reflectio of what the doctor has o his/her records at that time. If you, or a travellig compaio, are i ay doubt about your medical history, please check with your doctor. 1 You wo t be covered for ay claim that is i ay way related to a pre-existig medical coditio uless we ve bee told about all pre-existig medical coditios that apply for everyoe o the policy ad we have agreed to provide cover for them ad this is show o your schedule. We defie the followig as pre-existig medical coditios: If at ay poit i your life, you have suffered from: a heart coditio a breathig coditio such as asthma a circulatory coditio such as strokes or high blood pressure a gastroitestial or digestive tract problem a boe or joit coditio ay form or type of cacer If i the last 12 moths you have had, or bee recommeded to have, ay: medical ivestigatio or tests for ay coditios or symptoms that relate to a diagosed coditio treatmet or surgery for ay coditios or symptoms that relate to a diagosed coditio prescribed medicatio for ay coditios or symptoms that relate to a diagosed coditio If we ca t cover ay pre-existig medical coditios you ve told us about this will be show i the edorsemet sectios o your schedule. 13 DOCUMENT OF INSURANCE TRAVEL

16 2 If you have a pre-existig medical coditio that is ot covered by us you will also ot be covered for ay other coditio that it makes you more likely to get (ie because it pre-disposes you to it or is idirectly liked to it). For example, if someoe suffers from asthma or chroic obstructive pulmoary disease ad gets a chest ifectio of ay kid, we would cosider the chest ifectio to be idirectly liked to the asthma or chroic obstructive pulmoary disease ad would oly pay a claim for the chest ifectio if all pre-existig medical coditios had bee disclosed to us ad we had agreed to cover them. Other examples where coditios ca be idirectly liked iclude: a perso with high blood pressure who the has a heart attack, a stroke or a mii-stroke (also kow as a trasiet ischaemic attack) a perso who suffers with diabetes who the has a heart attack, a stroke or a mii-stroke a perso who has had or has cacer ad who suffers with aother type or secodary cacer a perso with osteoporosis who the breaks or fractures a boe It is ot always obvious to ayoe other tha a medical professioal what coditios may be idirectly liked ad this is ot a comprehesive list. 3 If cover is required for ay pre-existig medical coditios of ayoe isured o the policy, you must tell us about all pre-existig medical coditios of everyoe isured o the policy. If you do t do this we may ot be able to pay a claim. 4 There is o cover provided by this policy if o the cover start date: you are havig or waitig to have ay medical ivestigatio, or waitig for the results of ay tests or ivestigatios, uless these are related to a already diagosed coditio ad you have told us about them. This exclusio does t apply at reewal. 5 There is o cover for you to cacel or cut short a trip because of ay follow up appoitmet or surgery relatig to ivestigatios or tests that you kow are eeded or happeig whe you book a trip. 6 If a relative, colleague, travellig compaio or someoe you re goig to stay with, who is ot isured o this policy: has a medical coditio that is ustable, or has a medical coditio that is likely to deteriorate, or is havig ay ivestigatios or tests whe you take out or reew your policy or before you book a trip; you wo t be covered for ay claims that are related to that perso s health. 7 Oce you have purchased cover you do t eed to tell us of ay chages to ay isured perso s medical health durig the period of cover. This icludes if a medical coditio or ay symptoms develop after your policy was issued or if a pre-existig coditio you ve told us about chages i ay way. 8 You wo t be covered if you travel agaist the advice of a doctor or where you would have bee advised ot to travel had you got their advice before begiig your trip, for example where you have obvious ad sigificat symptoms that you have chose ot to have checked by a doctor. 9 If you have a aual multi trip policy you must tell us of ay chages to ayoe s medical coditios or health before your policy reews. We may ot be able to provide DOCUMENT OF INSURANCE TRAVEL 14

17 cover for ay pre-existig medical coditios at reewal ad chages may make a differece to the premium. If we ca t cotiue to cover your medical coditios ad you have a trip booked, you ca make a cacellatio claim. 10 There is o cover for ay medical coditio that is a direct or idirect result of you usig alcohol, solvets or drugs. Geeral exclusios - these apply to all sectios of the policy We wo t cover you for ay claim that is caused by or is i ay way related to ay of the followig. 1 Somethig that at the time of takig out your policy or bookig a trip you were aware of ad kew could result i you eedig to make a claim, uless we have agreed i writig to provide cover. For example, the poor health of a relative or someoe travellig with you. 2 Travel to a destiatio where the Foreig ad Commowealth Office (FCO) has advised agaist all travel or all but essetial travel, uless we have agreed to cover your trip as beig essetial ad this is show o your policy schedule. 3 You committig suicide, deliberately ijurig yourself or puttig yourself at risk of serious ijury. 4 You or a travellig compaio havig druk eough alcohol to seriously affect your or their judgemet ad ay direct or idirect effect of so much alcohol. 5 Ay medical coditios or symptoms that are directly or idirectly liked to the abuse of alcohol. 6 You or a travellig compaio beig uder the ifluece of solvets or drugs (except those prescribed by a doctor but ot for the treatmet of drug addictio), or as a direct or idirect effect of you usig solvets or drugs. 7 You usig a scooter, moped or motorcycle, as a rider or passeger, uless: if the machie is 125cc or uder, you wear a crash helmet ad the rider is licesed to use such a vehicle i the Uited Kigdom (or appropriate valid licece i the coutry the motorcycle is beig ridde if the perso drivig is ot a residet of the Uited Kigdom) if the machie is over 125cc, you wear a crash helmet ad appropriate protective clothig, ad the rider is fully licesed to use such a vehicle i the Uited Kigdom 8 You takig part i a activity uless it is listed as covered uder stadard activities o page 18/19, or if you have a Premier policy is listed as covered uder adveture activities o page 19. This exclusio does t apply to sectio A. 9 You takig part i a witer sports activity (as detailed o page 20) uless you have chose cover for witer sports, your schedule shows that your policy icludes this cover ad you have paid the premium for this cover. This exclusio applies to sectios B, C, D, E ad F. 10 You goig o a cruise uless your schedule shows you have cruise cover. 11 War, civil war, rebellio, revolutio or terrorism. Terrorism is a act or threat of actio by a perso or group of people, whether actig aloe or i coectio with a orgaisatio or govermet, committed for political, religious, ideological or similar purposes 15 DOCUMENT OF INSURANCE TRAVEL

18 iteded to ifluece ay govermet or to frighte the public or ay sectio of it. A act or actio meas: violece, damage to property, puttig life i dager, creatig a public health risk, or disruptig electroic systems or trasport services. This exclusio does ot apply to sectio D: emergecy medical ad associated expeses, or to sectio E: persoal accidet or to sectio K: additioal trasport ad/or accommodatio costs, except where uclear, chemical or biological weapos, devices or agets are used. 12 You ot followig ay suggestios or recommedatios made by ay govermet or other official authority (icludig the FCO). 13 Your property beig held, take, delayed, cofiscated, destroyed or damaged uder the order of ay govermet or customs officials or other authorities. 14 Radiatio or cotamiatio from, or explosio of: uclear fuel or waste, a uclear istallatio or reactor, or a uclear weapo or device. 15 Ay chages to currecy rates. 16 The failure or fear of failure or iability of ay equipmet or ay computer program, whether or ot you ow it, to recogise or to correctly iterpret or process ay date as the true or correct date, or to cotiue to work correctly beyod that date (except uder sectio D: emergecy medical ad associated expeses, sectio E: persoal accidet ad sectio K: additioal trasport ad/or accommodatio costs). 17 You travellig i a aircraft other tha as a passeger i a fully licesed passeger carryig aircraft. 18 You actig i a illegal or malicious way. 19 You ot ejoyig your trip. 20 Ay loss caused as a direct or idirect result of aythig you are claimig for, for example loss of earigs, uless it is specifically stated as covered i the policy. 21 Ay maual work or work ivolvig machiery. 22 Childre ot travellig with the policyholder, the policyholder s spouse or parter, or a adult (aged 22 years or over) isured by this policy, or as part of a orgaised school, uiversity or club trip accompaied by a resposible adult. Childre aged years ca travel uaccompaied by a adult if this cover selectio has bee chose by you ad is show as covered o your schedule. Ayoe aged 16 years or older ca have a policy i their ow ame. Geeral coditios - these apply to the whole of your policy We ca oly pay claims if you meet the followig coditios. 1 Your permaet address must be i the Uited Kigdom. 2 You must be registered with a doctor who is o the list of Registered Medical Practitioers. 3 You provide all the evidece we ask for i order for us to fully assess ay claim at your ow cost. 4 You iform us of ay other isurace that may (or may ot) cover the claim you are makig. 5 You must take reasoable care to protect yourself ad your property agaist accidet, ijury, loss ad damage ad act as if you are ot isured ad to reduce the risk ad cost of ay claim. DOCUMENT OF INSURANCE TRAVEL 16

19 6 You must accept that we ll oly exted the period of cover if you ca t fiish your trip as plaed because of ijury, illess or death, or there is a delay to the public trasport that you ca t avoid. 7 If you have a aual policy, you must tell us about ay chages that may affect your policy before your policy reews. This icludes tellig us if ayoe o the policy is waitig for ay medical ivestigatio or tests; if ayoe is sufferig from ay symptoms of illess; if ay ew medical coditio has bee diagosed that is t show o your schedule, or if ay previously declared coditio or symptom has chaged sice you told us about it. If you wat to travel to a differet area of cover, eed to chage traveller details or amed the type of policy or cover you have, you must cotact us before you travel ad before bookig a trip if you wat the cacellatio cover to apply. 8 You must accept our decisios about the most practical ad reasoable solutios to ay situatio. While o a trip this may iclude directig you to go to (or movig you to) a specific medical hospital or medical facility. If you suffer from a accidet or illess before you are due to travel that meas you ca t travel as plaed, we may re-arrage your travel ad accommodatio so your trip is simply delayed. 9 You must accept that o chages or alteratios to the terms ad coditios of the policy apply, uless we cofirm them i writig to you. 10 You were ot 80 years of age or over o the date your aual multi-trip quote was give. You accept that we have the right to do the followig ad/or that we ll act i the followig ways. 1 We ca cacel the policy, make o paymet ad keep the premium if you make a fraudulet claim. We may also report the matter to the police. 2 We ca take over ad deal with, i your ame, ay claim you make uder this policy. 3 We ll accept otice of a claim from ay isured perso, ad provide emergecy advice ad help to ay isured perso, without specific istructios from the policyholder. 4 We ca take legal actio i your ame (which we ll pay for) ad ask you to give us details ad fill i ay forms (icludig Beefit Agecy forms), which will help us to recover ay paymet we ve made uder this policy. 5 We ca gather iformatio from your medical records to help us or our represetatives deal with ay claim. This could iclude a request for you to be medically examied or for a post mortem to be carried out if you die. We ll ot give persoal iformatio about you to ay other orgaisatio uless you agree. 6 We ll sed you home or back to the Uited Kigdom at ay time durig your trip if you are take ill or ijured ad this is the recommedatio of our medical adviser. 7 If the recommedatio of our medical adviser is for you to be take to a hospital, ursig home or other care facility o your retur to the Uited Kigdom, we may take you there istead of your home. 8 We ca make a settlemet to ay isured perso ad ot otify the policyholder that a claim has bee made. 9 We ll ot pay for the cost of ay telephoe calls you make. We ll call you back if you ask us to. 10 We ll ot accept resposibility for costs you pay or agree to pay after the date the treatig doctor ad our medical advisers agree you should retur to the Uited Kigdom, if you refuse to go. 17 DOCUMENT OF INSURANCE TRAVEL

20 11 We ca oly refud your premium if your policy cover period is more tha 28 days (period from the cover start date to the cover ed date) ad you have cotacted us withi 14 days of the date you received your policy documetatio. If we ve paid a claim this must be repaid by you before we ll refud your premium. 12 Where a claim is covered completely or i part uder aother policy, we will oly make a paymet if all the cover uder that policy has bee used up, uless the claim is for baggage, i which case we will oly pay our share. 13 We ll ot pay for ay costs that you re etitled to recover by way of compesatio or a refud from elsewhere. 14 If you cacel or cut short your trip all cover provided o your sigle trip policy will be cacelled without refudig your premium all cover provided o your aual multi-trip policy for that trip will be cacelled without refudig ay of your premium 15 We ca ask you to pay us back ay amouts that we ve paid to you that are ot covered by this policy. Activities There is o cover provided uder this policy for ay professioal sportig activity (whe moey is paid to you to take part), or ay kid of maual work. Stadard activities You are automatically covered to take part i ay of the followig activities (o a amateur basis) while you re o a trip. Archery Badmito Baaa boatig Baseball Basketball Body ad boogie boardig Bowls ad bowlig Camel ad elephat ridig if fully supervised by a perso experieced i this activity Caoeig ad kayakig ad raftig grade 1 ad 2 waters oly Cricket Cruise activities that are orgaised by the cruise compay ad take part o the cruise vessel Curlig Cyclig but ot BMX or moutai bikig (other tha ormal road cyclig usig a moutai bike) or racig DOCUMENT OF INSURANCE TRAVEL Dighy sailig o more tha 3 miles from the mailad Fishig Football (icludig soccer, 5-a-side, Gaelic, Footbag, Hacky Sack, idoor ad beach) Go-kartig if you wear a helmet ad follow the orgaiser s guidelies Golf Ice skatig o a rik ad ot speed or ilie skatig Joggig Orieteerig Paddle boardig Paitballig if you wear eye protectio Parascedig or parasailig over water (oce oly ad oly if fully supervised by a perso(s) experieced i this activity) Poy trekkig 18

21 Ramblig Roller skatig ad roller-bladig Rowig o more tha 3 miles from the mailad Ruig Safari trekkig as part of a orgaised tour Scuba divig to a depth of 18 metres if you are divig with aother perso ad you both hold a certificate of proficiecy, or you are divig with a qualified istructor i this professio but ot withi 24 hours of a flight Skateboardig if you wear a helmet Sledgig or sleigh ridig if you are a passeger ad beig pulled by dogs, horses or reideer Sorkellig Softball or rouders Squash Swimmig o more tha 3 miles from the mailad Table teis Teis Trekkig, hikig or fell walkig up to 2500 metres Volleyball Adveture activities these oly apply if you have a Premier policy You are oly covered to take part i the followig activities (o a amateur basis) while you re o a trip if you have a Premier policy. Abseilig if fully supervised Boatig ad sailig or yachtig up to 12 miles from the mailad Caoeig ad kayakig ad raftig up to grade 5 waters (icludig white waters) Clay pigeo shootig if fully supervised by a perso(s) experieced i this activity Dry slope skiig if wearig a helmet Fecig if supervised by a qualified perso i this professio Horse ridig if wearig a ridig hat/helmet Hot air ballooig as a passeger Jet skiig but there is o persoal liability cover for this activity Lad sailig or lad yachtig but there is o persoal liability cover for this activity Moutai bikig except for dowhill moutai bikig, if booked with a fully licesed compay ad while wearig a helmet Quad bikig wearig a helmet, ot racig ad as part of a orgaised group, but there is o persoal liability cover for this activity Rock climbig wearig a helmet ad fully supervised or qualified Sailboardig Scuba divig to a depth of 40 metres if you are divig with aother perso ad you both hold a certificate of proficiecy, or you are divig with a qualified istructor i this professio, but ot withi 24 hours of a flight Surfig ad flowridig Trekkig ad hikig ad fell walkig up to 6000 metres Ultimate frizbee Wakeboardig Water polo Water skiig White water raftig up to grade 5 waters Widsurfig Zorbig or sphereig followig orgaiser s istructios experieced i this activity 19 DOCUMENT OF INSURANCE TRAVEL

22 Witer sports activities You will oly be covered for the followig activities uder Sectios B, C, D, E ad F if you have selected cover for witer sports ad it is show as covered o your schedule. Skiig, big-foot skiig, cross-coutry skiig, moo-skiig, glacier skiig ad idoor skiig Sledgig ad toboggaig Sowboardig Sowbladig DOCUMENT OF INSURANCE TRAVEL Sowmobilig/skidooig but there is o persoal liability cover for this activity You are covered to ski ad sowboard off piste ad at a sow park provided you are withi the ski area boudaries of a recogised ski resort ad followig ski patrol guidelies. If you have a aual multi-trip Essetial policy The cover is provided o the uderstadig that you do t take part i more tha 17 days of witer sports activities durig the year. If you have a aual multi-trip Premier policy The cover is provided o the uderstadig that you do t take part i more tha 31 days of witer sports activities durig the year. There is o cover for: Bobsleighig, heli-skiig, lugig, ski acrobatics, ski flyig, ski-jumpig, ski moutaieerig, ski racig, ski radoee, ski stutig, ski tourig or sowcat skiig Sectio A: If you eed to cacel your trip before you travel this sectio applies to both the Essetial ad Premier policies The mai purpose of this sectio is to provide cover for costs you ve paid if you have to cacel a trip because of the sudde ad uexpected illess of you, a close relative or travellig compaio. Not all reasos that may result i you havig to cacel a trip are covered. If you thik you may have to cacel your trip please tell us immediately. Cacellig your trip ad ay excursios as soo as you kow this is ecessary may reduce your cacellatio charges. If you re ot sure whether to cacel a trip, please call the claims lie o (for TextDirect, please dial first). What is covered If you eed to cacel a trip before it begis because of oe of the reasos show below, we ll pay up to 5,000 if you have a Essetial policy or up to 10,000 if you have a Premier policy, for your part of persoal accommodatio, trasport charges ad other trip expeses which you ve paid or agreed to pay, but have ot used. If you or a relative or someoe you are goig to stay with or a travellig compaio or a colleague, dies, is seriously ijured or becomes seriously ill. If you or a travellig compaio become pregat after bookig a trip ad after the policy cover start date, ad are advised by your doctor ot to travel. If you or a travellig compaio, is called for jury service i the Uited Kigdom or as a witess i a court i the Uited Kigdom, or are put ito compulsory quaratie. If you or a travellig compaio are eeded by the police followig a burglary, or damage caused by fire, storm, flood, explosio, subsidece, vadalism, falle trees, impact by aircraft or vehicle at your home or their home or usual place of busiess i the Uited Kigdom. 20

23 If you are made redudat ad qualify for paymet uder curret Uited Kigdom redudacy paymet legislatio, ad there was o reaso for you to thik this would happe whe the policy was purchased or the trip was booked. No cover is provided if you have chose to take volutary redudacy. If you or a travellig compaio are a member of the Armed Forces, or Territorial Army, or police, fire, ursig or ambulace services ad have authorised leave cacelled or are called up for operatioal reasos. This cover will oly apply if the eed to cacel a trip could ot reasoably have bee expected at the time this isurace was purchased ad at the time of bookig ay trip. We ll eed writte cofirmatio from your employer that your trip had to be cacelled. If the Foreig ad Commowealth Office (FCO) advises agaist all travel or all but essetial travel to your plaed destiatio after you have booked trasport or accommodatio for your trip, ad after the start date of your policy. What is ot covered The purpose of this part of the sectio is to make it clear if there are ay restrictios to what is covered. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call us o We wo t pay the first 50 of your claim. This applies to each isured perso. This amout will be reduced to 15 per perso if the claim is for the amout of the deposit oly. 2 We wo t cover claims that are i ay way related to somethig that you kew about before you purchased this isurace or before you booked a trip that you were aware could lead to you eedig to cacel a trip, uless you have told us about it ad we ve agreed to cover it ad this is show o your schedule. This icludes ay health coditio or medical ivestigatio of you, a relative, someoe you were goig to stay with, a travellig compaio or a colleague (more iformatio ca be foud uder the health declaratio ad exclusios sectio o pages 13 to 15) ad also to evets (such as idustrial actio, riots, severe weather) that have bee aouced o the atioal ews. 3 We wo t pay the proportio of ay trip costs for a travellig compaio ot isured o this policy. This applies eve if the trip was paid for by someoe isured o this policy. 4 We wo t pay more tha the lowest cost for equivalet travel tickets if your bookig was paid for usig ay type of loyalty scheme, for istace a airlie mileage reward scheme or loyalty card scheme. 5 We wo t pay the cost of ay maagemet fees, maiteace costs or exchage fees if you booked usig a holiday poits scheme, timeshare or other similar arragemet. 6 We wo t cover ay cacellatio charges you pay or owe because you did t tell the compay providig your trasport or accommodatio, their agets or ay perso actig for you, as soo as you kew you had to cacel. 7 We wo t cover redudacy if you have chose volutary redudacy or if it resulted from miscoduct leadig to dismissal or from resigatio or where a warig or otificatio of redudacy was give, before you took out this policy or bought your travel tickets (whichever happeed last). Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. 21 DOCUMENT OF INSURANCE TRAVEL

24 Iformatio you will eed to provide if you make a claim for cacellig a trip We ll eed your origial trip bookig ivoice(s) ad travel documets showig the dates ad times of travel, ad cacellatio ivoice(s) showig the cacellatio costs ad charges you have icurred. For claims relatig to illess or ijury or a doctor s advice ot to travel, we ll eed a medical certificate from the doctor treatig the perso. If someoe dies, we ll eed a siged copy of the death certificate. If your claim results from a reaso to cacel other tha illess or ijury, we ll eed to see evidece of the circumstace(s). Please see the makig a claim sectio o page 50 which also applies Sectio B: If you eed to cacel excursios or activities while o your trip - this sectio applies to both the Essetial ad Premier policies The mai purpose of this sectio is to provide cover for costs for booked excursios or activities if you have to cacel them because of sudde illess or ijury while you re o a trip, or if you re o a witer sports trip ad you ca t use facilities because of poor weather. What is covered We ll pay up to 5,000 if you have a Essetial policy or up to 10,000 if you have a Premier policy, towards costs you have paid or have agreed to pay, for ay booked excursios or activities (icludig witer sports tuitio fees) if you have to cacel them before they begi because: or you are seriously ijured or become seriously ill while o a trip ad the treatig doctor advises you ot to go o the excursio or take part i the activity someoe you are travellig with, ad who is booked o the same excursio as you are, is seriously ill or ijured while o a trip ad the treatig doctor provides writte cofirmatio that they ca t go o the excursio ad that you eed to provide them with assistace Withi the limit that applies we ll also pay: for ay uused pre-booked witer sports tuitio fees if the tuitio is cacelled because of bad weather coditios or o sow at your pre-booked witer sports resort the cost of your pre-paid lift pass for each full day you are uable to use it because the lifts were ot i use If you have a Premier policy we ll pay up to 5,000 (withi the overall 10,000 limit) towards the lost cost of ay pre-booked excursios or activities if they are cacelled by the orgaiser ad either the cost is reimbursed or the excursio or activity rescheduled. If the excursio or activity is cacelled because the ed supplier has goe bust, you must claim uder sectio L. DOCUMENT OF INSURANCE TRAVEL 22

25 What is ot covered The purpose of this part of the sectio is to make it clear if there are ay restrictios to what is covered. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call the claims lie o We wo t pay the first 50 of your claim. This applies to each isured perso. 2 We wo t pay for ay lost costs if you cut your trip short because of illess or ijury. If this happes we ll oly pay uder sectio C: if you eed to cacel/cut short your trip after you ve travelled. 3 We wo t pay ay claim that may be cosidered i ay way related to a pre-existig medical coditio, uless we ve bee told about it ad agreed to provide cover for it. This is explaied i more detail uder the health declaratio ad health exclusios sectio o pages 13 to We wo t cover the cost of ay excursios that are booked after you or a travellig compaio were ijured or became ill. 5 We wo t pay more tha the lowest cost for equivalet tickets if your bookig was paid for usig ay type of loyalty or rewards scheme. 6 We wo t reimburse ay costs for excursios or activities that are cacelled by the orgaiser uless you booked them before the trip start date Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. Iformatio you will eed to provide if you make a claim for a lost excursio, activity or witer sports costs We ll eed your origial bookig ivoices ad travel documets showig dates ad times, ad the cacellatio ivoice(s) showig the cacellatio costs ad charges you have icurred. For claims relatig to illess or ijury we ll eed a medical certificate from the doctor treatig you or your travellig compaio. For claims for uused witer sports tuitio we ll eed writte evidece from the provider of the witer sports tuitio that it was cacelled. For claims for uused lift pass costs we ll eed writte evidece from your tour operator, local piste authority or lift operator cofirmig the dates the lifts were ot able to be used. Please see the makig a claim sectio o page 50 which also applies 23 DOCUMENT OF INSURANCE TRAVEL

26 Sectio C: If you eed to cut short/cacel your trip after you ve left home - this sectio applies to both the Essetial ad Premier policies The mai purpose of this sectio is to reimburse you for costs you ve paid if you have to cut your trip short because of the sudde ad uexpected illess or ijury of you, a close relative or travellig compaio. Not all reasos that may result i you watig to retur home early are covered. If you thik you may have to cut your trip short, please tell us immediately by callig the 24 hour emergecy medical assistace lie. If you retur home without havig cotacted us, we may ot be able to pay your claim. From outside the UK phoe For TextDirect please dial ad ask to be coected to the umber. From withi the UK phoe , for TextDirect please dial first. Call charges will ot be reimbursed; but we ll call you back if you ask us to. What is covered If you eed to cut short a trip because of oe of the reasos show below, we ll pay up to 5,000 if you have a Essetial policy or up to 10,000 if you have a Premier policy, for your part of uused persoal accommodatio, trasport charges ad other trip expeses which you ve paid or agreed to pay. We ll pay uused persoal accommodatio ad other trip expeses based o each full 24 hour period you have lost. Loss is based o the date you eeded to retur home, or the date you are i hospital as a i-patiet if you remai there for the rest of your trip. However, if we pay for you to get home because of illess or ijury (see cover uder the medical emergecy expeses sectio) we wo t refud the cost of your uused retur travel tickets. We ll oly provide the cover above if you cut your trip short for oe of the followig reasos. If you or a relative or someoe you are stayig with or a travellig compaio or a colleague, dies, is seriously ijured or becomes seriously ill. If you are ijured or ill ad are i hospital for the rest of your trip. If you or a travellig compaio is called for jury service i the Uited Kigdom or as a witess i a court i the Uited Kigdom, or are put ito compulsory quaratie. If you or a travellig compaio are eeded by the police followig a burglary, or damage caused by fire, storm, flood, explosio, subsidece, vadalism, falle trees, impact by aircraft or vehicle at your home or their home or usual place of busiess i the Uited Kigdom. If you or a travellig compaio are a member of the Armed Forces, or Territorial Army, or police, fire, ursig or ambulace services ad have authorised leave cacelled or are called up for operatioal reasos. This cover will oly apply if the eed to cut short a trip could ot reasoably have bee expected at the time this isurace was purchased ad at the time of bookig ay trip. We ll eed writte cofirmatio from your employer that your trip had to be cut short. DOCUMENT OF INSURANCE TRAVEL 24

27 If the Foreig ad Commowealth Office advice is to leave the area you are stayig i. If you have a Premier policy there is additioal cover i sectio J for cuttig short a trip/ cacellatio if you experiece travel delays of more tha 24 hours. What is ot covered The purpose of this part of the sectio is to make it clear if there are ay restrictios to what is covered. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call the claims lie o We wo t pay the first 50 of your claim. This applies to each isured perso. 2 We wo t cover claims that are i ay way related to somethig that you kew about before you purchased this isurace or before you booked a trip that you were aware could lead to you eedig to cut your trip short, uless you have told us about it ad we ve agreed to cover it ad this is show o your schedule. This icludes ay health coditio or medical ivestigatio of you, a relative, someoe you were goig to stay with, a travellig compaio or a colleague (more iformatio ca be foud uder the health declaratio ad exclusios sectio o pages 13 to 15). 3 If you re claimig because of your ijury or illess we wo t cover ay costs if you do t get a medical certificate from the doctor who treated you i the place where you were stayig which says it was ecessary for you to come home or to stay i hospital because of ijury or illess. Our medical advisers must also agree the actio beig take is appropriate for the illess or ijury - please cotact the 24 hour emergecy medical assistace lie for cofirmatio. 4 We wo t cover the cost of your origial pre-booked trasport tickets if you have t used them ad we ve paid to get you home. 5 We wo t pay more tha the lowest cost for equivalet tickets if your bookig was paid for usig ay type of loyalty scheme, for istace a airlie mileage reward scheme or loyalty card scheme. 6 We wo t cover the cost of ay maagemet fees, maiteace costs or exchage fees if you booked usig a holiday poits scheme, timeshare or other similar arragemet. 7 We wo t cover you to retur to the Uited Kigdom if the Foreig ad Commowealth Office (FCO) advice is just ot to travel to a destiatio. Cover to cut short a trip is oly provided if the FCO advice is to leave the area you are booked to stay i. Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. Iformatio you will eed to provide if you make a claim for cuttig short your trip We ll eed your origial trip bookig ivoice(s) ad travel documets showig the dates ad times of travel, ad origial cacellatio ivoice(s) showig the cacellatio costs ad charges you have icurred. For claims relatig to illess or ijury we ll eed a medical certificate from the doctor treatig the perso. If someoe dies, we ll eed a siged copy of the death certificate. If your claim results from a reaso to cut short your trip other tha illess or ijury, we ll eed to see evidece of the circumstace(s). Please see the makig a claim sectio o page 50 which also applies. 25 DOCUMENT OF INSURANCE TRAVEL

28 Sectio D: Emergecy medical ad related expeses - this sectio applies to both the Essetial ad Premier policies The mai purpose of this sectio is to provide cover for uexpected emergecy medical treatmet costs ad to arrage to get you back home if you re too uwell to cotiue your trip (please ote that emergecy medical treatmet costs are ot available if you oly have UK cover because the NHS will cover these). No cover is provided if you re travellig to receive treatmet or get medical advice or if you kow you ll eed treatmet while you re away. You ca call our emergecy medical assistace lie 24 hours a day, 365 days of the year. Whe you call please provide your policy umber ad say you re isured with LV= travel isurace. You must call the medical assistace lie wheever possible before arragig ay medical advice or treatmet i America, before goig to hospital or where medical costs are likely to be more tha 500. From outside the UK phoe For TextDirect please dial ad ask to be coected to the umber. From withi the UK phoe , for TextDirect please dial first. Call charges will ot be reimbursed; but we ll call you back if you ask us to. Special coditios that apply to this sectio The cover provided is explaied uder what is covered below. However, the cover is provided o the uderstadig that you agree to the poits below. 1 You (or if you are uable to do this, a travellig compaio or your ext of ki) must tell us immediately by cotactig the emergecy medical helplie if you eed to go ito hospital or you thik you may have to come home early or exted your trip because of illess or ijury. You must accept our decisios about the most suitable, practical ad reasoable solutios to ay medical emergecy. 2 You take all reasoable precautios recommeded by the Foreig ad Commowealth Office for where you are travellig ad those recommeded by your doctor, before ad durig a trip. This icludes gettig all recommeded vacciatios ad takig recommeded medicatio (for example malaria tablets). 3 You must get treatmet at a medical facility that participates i the reciprocal health agreemet with the Uited Kigdom where this is available. Our 24 hour emergecy medical assistace lie will be able to give guidace o where such facilities are located. If you do go to a private medical facility we may trasfer you to a public medical facility. If you re beig treated i a public facility withi the Europea Ecoomic Area or Switzerlad ad have a Europea Health Isurace Card, this isurace will oly pay for costs that are t covered by the EHIC. 4 Please be aware that the stadard of care i may coutries is ot the same as is available i the Uited Kigdom ad private medical treatmet is ot covered uless we ve authorised it. 5 Before we re able to make a paymet, guaratee a paymet or provide ay cover uder this sectio we may eed to see your full medical history. How log this takes is largely depedet o your doctor. We eed this iformatio to cofirm there are o preexistig medical coditios that you have t told us about, which would have chaged DOCUMENT OF INSURANCE TRAVEL 26

29 the cover we would have provided had we kow about them, or that are related or made you more likely to eed the emergecy treatmet you have had to have. 6 If you get treatmet for a mior illess or accidet, you should, where possible, pay the costs ad claim the moey back from us whe you retur. However, please call the emergecy medical assistace lie if your medical costs are likely to be over 500, you are i America, you may eed to go ito hospital, or you eed assistace i returig home. 7 If our medical advisers thik it would be i the iterest of your health to brig you back home or to a hospital or ursig home i the Uited Kigdom, you will ormally be trasferred by regular airlie or road ambulace. If you eed to go home early the treatig doctor must provide a certificate cofirmig that you are fit to travel. Without this the airlie ca refuse to carry ay sick or ijured perso ad we wo t fly you home uless your coditio meets the airlie s requiremets (which may be later tha the treatig doctor s cofirmatio that you re fit to fly). Where medically ecessary i very serious or urget cases we ll use a air ambulace. We ll cosult with the treatig doctor ad our medical advisors first. 1. What is covered if the area of cover show o your schedule is Europe, Worldwide excludig North ad Cetral America, or Worldwide If you are uexpectedly ijured or take ill durig your trip we ll pay up to 10 millio for reasoable fees or charges you pay or agree to pay for the followig. Medical ad surgical expeses (but ot for detal treatmet), medicatio, hospital or ursig home or ursig service charges. Reasoable extra trasport (but ot taxi fares uless we ve specifically agreed to pay for these) ad accommodatio costs up to the stadard of your origial bookig, icludig gettig you back home if you are uable to use your pre-arraged retur trasport. Reasoable extra trasport (but ot taxi fares uless we ve specifically agreed to pay for these) ad accommodatio costs for oe other perso to stay or travel with you if this is the recommeded medical advice. If this perso eeds to travel from the Uited Kigdom, ecoomy travel will be covered to get them to you. We ll also pay withi the overall 10 millio limit: for moutai search ad rescue services if this is cosidered medically ecessary up to 250 for emergecy detal treatmet to relieve sudde pai 25 for each 24-hour period ad up to a maximum of 1,000 i total, if you are i hospital as a i-patiet or are cofied to your accommodatio because of compulsory quaratie o the orders of a doctor or govermet official while o a trip. (This beefit is to help you pay for additioal expeses such as taxi fares for visitors ad phoe calls) the reasoable cost of trasportig your body or ashes to your home or reasoable fueral expeses i the place you die outside of the Uited Kigdom up to 500 for reasoable extra keel or cattery fees you have to pay if you are take ito hospital as a i-patiet while o a trip ad ca t retur as plaed for emergecy repleishmet of medicatio you are takig, if you ru out of the medicatio because you are uable to retur home o the date you were scheduled to 27 DOCUMENT OF INSURANCE TRAVEL

30 2. What is covered if the area of cover show o your schedule is UK If you are uexpectedly ijured or take ill durig your trip, we ll pay up to 2,000 for reasoable trasport (but ot taxi fares uless we ve specifically agreed to pay for these) ad accommodatio costs for you ad oe other perso who stays or travels with you o medical advice. This icludes: the cost of gettig someoe withi the Uited Kigdom to travel to you ad stay with you if this is ecessary the cost of gettig you home the cost of trasferrig you by ambulace to a hospital earer your home the cost of brigig your body home if you should die What is ot covered The purpose of this part of the sectio is to make it clear if there are ay restrictios to what is covered. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call the claims lie o We wo t pay the first 50. This applies to each isured perso for each claimed evet. This wo t apply if your claim is reduced because you used a EHIC card or ay other reciprocal health agreemet. It also does ot apply to the i-patiet beefit, or cattery or keel fees. 2 We wo t provide ay cover if you kow you will eed medical treatmet durig your trip or if you are travellig specifically to get medical treatmet. 3 We wo t cover the cost of replacig ay medicatio you were usig whe you bega your trip or if you ru out of medicatio durig your trip uless your trip is exteded for reasos outside of your cotrol. 4 We wo t pay claims that may be cosidered i ay way related to, triggered by or made worse by, a pre-existig medical coditio that you have t told us about or that we have t agreed to cover. Please refer to the health declaratio ad health exclusios o pages 13 to 15 where this is explaied i more detail. 5 We wo t pay for routie care (icludig pre or post atal care). 6 We wo t cover services or treatmet you receive that the doctor treatig you or our medical advisers thik ca wait util you get home. 7 We wo t cover the extra cost of havig a sigle or private room i a hospital or ursig home. 8 We wo t cover the cost of ay treatmet that is ot directly related to the illess or ijury that caused the claim. 9 We wo t cover ay taxi fares or telephoe calls (icludig mobile calls). 10 We wo t cover the cost of your burial or crematio or ay medical treatmet withi the Uited Kigdom. 11 We wo t pay to replace or repair false teeth, artificial teeth (such as crows or implats) or veeers, or cover detal work ivolvig precious metals. 12 We wo t cover ay costs you pay or agree to 12 moths or more after the date of your ijury, illess or death. Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. DOCUMENT OF INSURANCE TRAVEL 28

31 Iformatio you will eed to provide if you make a claim for emergecy medical ad/or related expeses We ll eed your origial trip bookig ivoice(s) ad travel documets showig the dates ad times of travel. We ll eed medical evidece from the doctor treatig you to cofirm the illess or ijury ad treatmet give, icludig the date you wet i ad the date you left hospital if this applies. We ll eed origial receipts ad accouts for all out of pocket expeses you have to pay ad origial bills or ivoices you are asked to pay. If you are quaratied we ll eed to see evidece from a doctor or the official body imposig the quaratie that this was ecessary ad the dates you were quaratied from ad to. Please see the makig a claim sectio o page 50 which also applies Sectio E: If you die, lose your sight or a limb, or are permaetly disabled because of a accidet - this sectio applies to both the Essetial ad Premier policies The purpose of this cover is to provide you or your depedets (if you die) with a amout of moey if you have a serious accidet that leaves you permaetly without sight or a limb, uable to work, or you die. Age restrictios apply to some beefits. What is covered We ll pay you or your legal represetative 25,000, if, durig a trip you are ivolved i a accidet that is caused by somethig exteral, visible ad accidetal ad oe of the followig results: you die. If you are uder 16 years of age at the time of the accidet the maximum we ll pay is 2,500 you permaetly lose all sight i oe or both of your eyes you permaetly lose the use of oe or both of your hads or feet if you are 65 years of age or uder ad you are left with a permaet physical disability ad as a result there is o paid work that you are able to do What is ot covered The purpose of this part of the sectio is to make it clear if there are ay restrictios to what is covered. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call the claims lie o We wo t pay a claim that may be cosidered related to or caused by (whether directly or idirectly) a pre-existig medical coditio that you have t told us about or that we have t agreed to cover. Please refer to the health declaratio ad health exclusios iformatio o pages 13 to 15 where this is explaied i more detail. 2 We wo t cover ay claim that arises more tha oe year after the origial accidet. 3 We wo t pay more tha 25,000 for oe accidet eve if this results i more tha oe permaet loss, a permaet loss ad physical disability, or death after a permaet loss or physical disability. 29 DOCUMENT OF INSURANCE TRAVEL

32 Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. Iformatio you will eed to provide if you make a claim for loss because of a accidet We ll eed your origial trip bookig ivoice(s) ad travel documets showig the dates ad times of travel. You must give a detailed accout of the circumstaces surroudig the evet (icludig photographs ad video evidece if this applies). You must provide medical evidece from the doctor treatig you to cofirm the ijury ad treatmet give, icludig dates you wet ito hospital ad whe you left hospital. You will eed to give full details of ay witesses, providig writte statemets if available. We ll eed a siged copy of the death certificate if this applies. Please see the makig a claim sectio o page 50 which also applies Sectio F: Cover if you are legally resposible for damage or loss to a perso or property - this sectio applies to both the Essetial ad Premier policies The purpose of this sectio is to cover the costs ad compesatio you have to pay if you re legally resposible for damage to a perso or property that happes while you re away o a trip. It does ot cover all situatios. The cover provided is explaied uder what is covered below. However, the cover is provided o the uderstadig that you agree to the poits below. 1 You tell us as soo as you or your legal represetatives are aware of a possible prosecutio, iquest or ijury that might lead to a claim uder this sectio. 2 You do ot egotiate, pay, settle, admit or dey ay liability to ay third party without our writte permissio. 3 If you re usig a motorised or mechaical vehicle while you re o a trip this policy wo t cover you for ay liability arisig from your use of such a vehicle (except for electric wheelchairs ad mobility scooters beig used o pedestria routes ad some activities - see poit 5 uder what is ot covered below). You must make sure you have the ecessary isurace i place for usig the vehicle. What is covered We ll pay up to 2 millio plus ay other costs we agree to i writig that relate to aythig you cause durig your trip for which you are legally resposible ad which results i oe of the followig: the accidetal bodily ijury or death of a perso but ot you, a travellig compaio or relative accidetal loss of or damage to the accommodatio, ad the cotets belogig to that accommodatio, you are usig o your trip that does ot belog to you, a travellig compaio or a relative. Damage to other property is also covered provided it is ot owed, hired, loaed or borrowed by you a travellig compaio or a relative. DOCUMENT OF INSURANCE TRAVEL 30

33 What is ot covered The purpose of this part of the sectio is to make it clear if there are ay restrictios to what is covered. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call the claims lie o We wo t cover ay liability for accidetal bodily ijury, death, or loss of or damage to property that comes uder ay of the followig categories: a. somethig which is suffered by ayoe employed by you, a travellig compaio or a relative, ad is caused by the work they are employed to do b. somethig which is caused by somethig you deliberately did or did ot do c. somethig which is caused by your employmet or employmet of a travellig compaio or a relative d. somethig which is caused by you usig ay firearm or weapo e. somethig that is caused by ay aimal you ow, look after or are i cotrol of (uless we re specifically coverig a activity that ivolves you beig i cotrol of a aimal) f. somethig you agree to take resposibility for which you would ot otherwise have bee resposible for 2 We wo t pay ay claims for resposibility you have uder a cotract uless you would have had that resposibility if the cotract did ot exist. 3 We wo t cover ay liability for accidetal bodily ijury you, a travellig compaio or relative may suffer. 4 We wo t pay ay compesatio or other costs caused by accidets as a result of you usig ay lad or buildig other tha the accommodatio you are usig o your trip. 5 We wo t pay ay compesatio or other costs that arise because of accidets caused by: a. motorised or mechaical vehicles ad trailers attached to them, other tha electric wheelchairs ad mobility scooters beig used o pedestria routes b. aircraft, motorised watercraft or sailig vessels uless you are takig part i a activity that is listed as covered uder stadard activities o page 18/19 or if you have a Premier policy is listed as covered uder adveture activities o page 19, ad persoal liability is ot stated as ot beig covered for that activity Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. Iformatio you will eed to provide if you make a claim for your legal liability We ll eed your origial trip bookig ivoice(s) ad travel documets showig the dates ad times of travel. We ll eed a detailed accout of the circumstaces surroudig the claim (icludig photographs ad video evidece if this applies). We must see ay writ, summos or other correspodece you receive from ayoe else. 31 DOCUMENT OF INSURANCE TRAVEL

34 You should ot admit resposibility, offer to make ay paymet or correspod with ayoe else without our writte permissio. We ll eed the ames ad addresses of ay witesses, plus writte statemets where available. Please see the makig a claim sectio o page 50 which also applies Sectio G: Legal advice ad expeses cover - this sectio applies to both the Essetial ad Premier policies The purpose of this sectio is to provide you with legal advice about situatios relatig to trips. If you re ill, ijured or die o a trip because of someoe else s egligece we may provide legal represetatio for you to claim damages or compesatio. You ca call our 24 hour legal helplie for advice o ay travel related legal problem to do with your trip. From withi the UK phoe For TextDirect please dial first. From outside the UK phoe For TextDirect please dial ad ask to be coected. What is covered If you are ill, ijured or die durig your trip ad you or your persoal represetative take legal actio to claim damages or compesatio for egligece agaist someoe, we ll pay up to 25,000 i legal costs for legal actio for you. We wo t pay more tha 50,000 per policy. Specific coditios that apply to this cover 1 We ll oly cover a claim if we thik it has a reasoable chace of success. This meas a 51% or better chace that you will wi the case ad achieve a positive outcome such as eforce a judgemet. If we agree to provide cover for your claim ad the chace of you wiig your case subsequetly falls below 51% we reserve the right to withdraw cover. 2 We ll oly cover a claim if we cosider the cost of the legal actio to pursue your claim will be proportioal to the expected beefit. I decidig this, some or all of the followig will be take ito accout: the value ad complexity of the case the stace of the other party whether a reasoable perso would pursue the matter ad fiace their ow legal costs If we agree to provide cover for your claim ad the cost of the legal actio to pursue your claim is o loger proportioal to the expected beefit we reserve the right to withdraw cover. 3 We ll choose a legal represetative to act for you. You have the right to choose your ow legal represetative to represet you if it is ecessary to take your claim to court or if a coflict of iterest arises. 4 We ll ot pay for: legal costs that are ureasoable legal costs icurred by your legal represetative i avoidable correspodece or which are recoverable from a court, tribual or other party DOCUMENT OF INSURANCE TRAVEL 32

35 ay shortfall i costs recovered from aother party where the claim has bee successful ad costs have bee recovered 5 We may settle your claim istead of takig legal actio o your behalf if, for example, it is more ecoomical for us to do so. 6 You must coduct your claim reasoably ad i accordace with the advice you receive from your legal represetative ad you must keep us ad the legal represetative fully aware of all facts ad correspodece icludig ay claim settlemet offers made to you. I additio, you must provide us with ay documetatio or iformatio (icludig legal advice) that we require i relatio to the claim. 7 We wo t be boud by ay promises or udertakigs that you give to the legal represetative or which you give to ay perso about paymet of fees or expeses, uless you have our writte coset. 8 You must keep the cost of the claim as low as possible ad where appropriate recover legal expeses from the other side. What is ot covered The purpose of this part of the sectio is to make it clear if there are ay restrictios to what is covered that has ot already bee metioed uder the specific coditios sectio above. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call the legal helplie o We wo t cover ay claim you do t report to us withi 90 days of the evet that leads to the claim. 2 We wo t cover ay claim ivolvig legal actio betwee members of the same household, a relative, a travellig compaio, or oe of your employees. 3 We wo t cover ay claim if aother isurer or service provider has refused your claim or if there is a shortfall i the cover they provide. 4 We wo t cover ay claim agaist a travel aget, tour operator, carrier, us, our aget, or aother perso isured by this policy. 5 We wo t cover legal actio that we ve ot agreed to. 6 We wo t provide cover if you refuse reasoable settlemet of your claim. You should use a resolutio facility, such as mediatio, i order to try to achieve a satisfactory outcome to your claim. 7 We wo t provide cover if you withdraw from a claim without our agreemet. If this happes, you must repay us legal costs that we ve paid ad all legal costs will become your resposibility. 8 We wo t cover costs awarded as a persoal pealty agaist you or the legal represetative (for example if you do t keep to court rules ad procedures). 9 We wo t cover costs i brigig legal actio i more tha oe coutry for the same evet. Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. 33 DOCUMENT OF INSURANCE TRAVEL

36 Iformatio you will eed to provide if you make a claim for your legal expeses We ll eed your origial trip bookig ivoice(s) ad travel documets showig the dates ad times of travel. We ll eed a detailed accout of the circumstaces surroudig the claim (icludig photographs ad video evidece if this applies). We must see ay writ, summos or other correspodece you receive from ayoe else. You should ot admit resposibility, offer to make ay paymet or correspod with ayoe else without our writte permissio. We ll eed the ames ad addresses of ay witesses, plus writte statemets where available. Please see the makig a claim sectio o page 50 which also applies Sectio H: Hijack or kidap cover - this sectio applies to both the Essetial ad Premier policies The purpose of this sectio is to provide you with a small amout of compesatio if you re hijacked or kidapped ad fiacial assistace to egotiate your release. What is covered If you are hijacked or kidapped durig your trip we ll pay up to 2,000 for the followig: 25 for each full 24 hours you are held by the hijackers or kidappers costs to help egotiate your release from the hijackers or kidappers What is ot covered The purpose of this part of the sectio is to make it clear if there are ay restrictios to what is covered. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call the claims lie o We wo t pay uless we have a letter from the appropriate authorities cofirmig the hijack or kidap ad the legth of time you were held. 2 We wo t pay a claim if you did t have the correct passport or visa. 3 We wo t pay rasom moey. Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. Iformatio you will eed to provide if you make a claim for hijack or kidap We ll eed your origial trip bookig ivoice(s) ad travel documets showig the dates ad times of travel. We must see supportig evidece from the appropriate authority cofirmig the hijack or kidap. Please see the makig a claim sectio o page 50 which also applies DOCUMENT OF INSURANCE TRAVEL 34

37 Sectios I, J, K ad L oly apply if you have a Premier policy Sectio I: If you are delayed at your departure poit this sectio oly applies if you have a Premier policy The purpose of this sectio is to provide you with a small fiacial beefit to pay for refreshmets, telephoe calls etc if the trasport you re booked o is delayed for more tha 12 hours ad you re waitig at the place your trasport is meat to go from. What is covered If the flight, trai, coach or sea vessel you are booked o is delayed leavig, we ll pay you 25 for each 12 hours you are delayed from the departure time show i your pre-booked travel plas, up to 250. The cover oly applies: 1 if the trasport has bee pre-booked 2 if you are waitig at the airport, port or statio your trasport is due to leave from 3 if you have checked i for your trasport (uless this is ot possible) 4 if the delay has i o way bee caused by you ad is outside of your cotrol If you are delayed for more tha 24 hours you ca choose to abado your trip ad claim uder Sectio J or make alterative travel arragemets ad claim uder Sectio K. What is ot covered The purpose of this part of the sectio is to make it clear if there are ay restrictios to what is covered. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call the claims lie o We wo t cover ay delay caused by ay evet (such as idustrial actio, riots, severe weather) that bega or was aouced i the media before you bought your policy or travel tickets for your trip (whichever is later). Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. Iformatio you will eed to provide if you make a claim because of a delayed departure We ll eed your origial trip bookig ivoice(s) ad travel documets showig the dates ad times of travel. We ll eed writte cofirmatio from the airlie, coach or railway compay, shippig lie or their hadlig aget of the scheduled ad actual departure times ad why the departure was delayed. Please see the makig a claim sectio o page 50 which also applies 35 DOCUMENT OF INSURANCE TRAVEL

38 Sectio J: Cacellatio (abadomet) cover if your trasport is delayed for more tha 24 hours or cacelled this sectio oly applies if you have a Premier policy The mai purpose of this sectio is to provide cover for costs you have paid if your trasport is delayed for more tha 24 hours or cacelled ad ot rearraged for more tha 24 hours ad you decide ot to cotiue with your trip. What is covered We ll pay up to 10,000 for your part of persoal accommodatio, trasport charges ad other trip expeses which you have paid or agreed to pay for, but have ot used, i the followig circumstaces: if your pre-booked trasport is delayed for more tha 24 hours ad you decide to cacel your trip if your pre-booked trasport is cacelled by the trasport provider ad you are uable to fid alterative trasport travellig less tha 24 hours after the origial scheduled departure time, ad you decide to cacel your trip. Evidece of reasoable attempts to fid alterative trasport will be required if you re ot allowed to board your pre-booked trasport for reasos outside of your cotrol, ad o suitable alterative is provided that is scheduled to depart withi 24 hours of your origial departure time, ad you decide to cacel your trip if you re uable to travel for more tha 24 hours after your origial scheduled departure time because your trasport is cacelled or delayed, but you cotiue with your trip, we ll pay your uused accommodatio costs. This will be calculated o the full cost of the accommodatio divided by the umber of days you were scheduled to stay ad paymet made for each full 24 hour period lost If you re uable to travel as plaed for more tha 24 hours from your origial scheduled departure time because your trasport is cacelled or delayed ad you wish to cotiue your trip, additioal trasport ad/or accommodatio costs may be covered uder Sectio K. What is ot covered The purpose of this part of the sectio is to make it clear if there are ay restrictios to what is covered. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call the claims lie o We wo t pay the first 50 of your claim. This applies to each isured perso. 2 We wo t cover claims that are i ay way related to a circumstace that you kew about before you purchased this isurace or before you booked a trip. 3 We wo t pay more tha the lowest cost for equivalet tickets if your bookig was paid for usig ay type of loyalty scheme, for istace a airlie mileage reward scheme or loyalty card scheme. 4 We wo t pay the cost of ay maagemet fees, maiteace costs or exchage fees if you booked usig a holiday poits scheme, timeshare or other similar arragemet. 5 If you re o a multiple destiatio trip or have at least oe coectio durig your trip, we wo t cover claims for cacellatio after the first part of your trip uless there is a DOCUMENT OF INSURANCE TRAVEL 36

39 good reaso why you do t wish to cotiue with your trip. For istace because you were joiig a tour or cruise ad the delay meas you re ot able to joi it. 6 We wo t provide ay cover if you have t complied with the terms of cotract of the trasport (icludig your rights uder EU Air Passeger Rights legislatio) or accommodatio provider ad we wo t provide ay cover if you do t try to get compesatio, assistace or a refud from them i lie with those terms. Where you should be etitled to compesatio from your trasport or accommodatio provider we ll require evidece from them of what they have provided ad if they are ot providig ay, their reaso for this. 7 We wo t provide ay cover uder this sectio of the policy if your travel delay or cacellatio is because the provider has goe bakrupt ad cover is provided uder sectio L. Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. Iformatio you will eed to provide if you make a claim because your trasport was cacelled or delayed for more tha 24 hours We ll eed your origial trip bookig ivoice(s) ad travel documets showig the dates ad times of travel. We ll eed your origial cacellatio ivoice(s) showig the cacellatio costs ad charges you have icurred. If your departure was delayed for more tha 24 hours or was cacelled or you were deied boardig, we ll eed writte cofirmatio from the airlie, coach or railway compay, shippig lie or their hadlig aget of the scheduled ad actual departure times ad why the departure was delayed or cacelled or you were uable to board. If you are claimig for a delay that occurs after you have already travelled, for istace because of a delay to coectig trasport or trasport while o a multiple trip destiatio, we ll eed to see evidece of the reaso for cacellig, for example cofirmatio that you were ot able to joi a pre-booked tour later tha origially plaed. Please see the makig a claim sectio o page 50 which also applies Sectio K: Additioal trasport ad/or accommodatio costs this sectio oly applies if you have a Premier policy The mai purpose of this sectio is to cover additioal costs you have to pay for trasport or accommodatio to reach your destiatio if you miss your pre-booked trasport or experiece travel delays of more tha 24 hours, or for example ca t ski at your booked resort. What is covered We ll pay you up to 1,000 per trip for extra costs you have to pay for trasport ad accommodatio (to a similar stadard to that of your pre-booked travel ad accommodatio) for the followig. 1 For you to get to your destiatio or back home if you do t get to the airport, port or statio your pre-booked trasport is due to leave from, by the time show i your travel plas because: the public trasport (icludig scheduled flights) does t ru to its timetable 37 DOCUMENT OF INSURANCE TRAVEL

40 a icidet occurs o the highway that you re travellig o to get to the airport, port or statio your pre-booked trasport is due to leave from, which results i a severe delay that it is t possible to avoid the vehicle you re travellig i is ivolved i a accidet or breaks dow of severe adverse weather coditios This cover oly applies: if the trasport you miss was pre-booked if you allowed eough time i your travel plas for delays which are or could be reasoably expected (ay plaed travel should allow for a miimum 30 miute delay i scheduled timig ad pla to get you to your departure poit by the time recommeded by the carrier) 2 For you to get to your destiatio or back home if your pre-booked trasport is delayed for more tha 24 hours from its scheduled departure time. 3 For you to get to your destiatio or back home if your pre-booked trasport is cacelled ad o alterative is provided that is scheduled to depart withi 24 hours of the origial departure time. 4 For you to get to your destiatio or back home if you re ot allowed to board your pre-booked trasport for reasos outside of your cotrol ad o suitable alterative is provided that is scheduled to depart withi 24 hours of your origial departure time. 5 For you to get to your destiatio or back home if your flight is diverted or re-directed after take off. 6 For you to stay at your destiatio as plaed if you re o loger able to stay i your pre-booked accommodatio because of a severe atural disaster (such as a earthquake, hurricae, tidal wave), outbreak of a ifectious disease, or outbreak of food poisoig. 7 For you to get to the earest alterative ski resort if the oe you are booked to use is closed because of bad weather or there is o sow. We ll oly pay for each full day your resort is affected. What is ot covered The purpose of this part of the sectio is to make it clear if there are ay restrictios to what is covered. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call the claims lie o We wo t pay more tha 1,000 per perso per trip. 2 We wo t cover ay claim for travel disruptio uless you ca provide writte evidece cofirmig the details from the travel or accommodatio provider or relevat authority. This should iclude the reasos for the disruptio, details of ay delays that applied ad ay alterative trasport or accommodatio offered. 3 We wo t make ay paymets which are ot additioal to costs you were expectig to pay. For example, if you are give a refud from your trasport or accommodatio provider ad the cost of alterative trasport ad/or accommodatio is less tha the refud, o paymet will be made. DOCUMENT OF INSURANCE TRAVEL 38

41 4 We wo t pay for ay subsistece costs (for example food ad drik) uless you had already pre-paid for this withi your accommodatio cost for the period you are delayed ad you re ot makig a claim uder sectio I. 5 We wo t provide ay cover caused by ay evet (such as idustrial actio, riots, severe weather) that bega or was aouced i the media before you bought your policy or travel tickets for your trip (whichever is later). 6 We wo t provide ay cover for travel disruptio if the failure of the public trasport bega or was aouced before you left home ad where you could have reasoably made other travel arragemets. 7 We wo t pay ay additioal costs for you to get to a alterative ski resort if your pre-booked resort was affected by bad weather whe you bought your policy or the travel tickets for your trip were issued, if either was less tha 14 days before the begiig of your trip. 8 We wo t provide ay cover uder this sectio of the policy if your travel disruptio is because the provider has goe bakrupt ad cover is provided uder sectio L. 9 We wo t cover ay travel disruptios that are a result of travel arragemets that you made idepedetly from those already icluded i your holiday package. 10 We wo t provide ay cover if you have ot complied with the terms of cotract of the trasport (icludig your rights uder EU Air Passeger Rights legislatio) or accommodatio provider ad we wo t provide cover if you do t seek compesatio, assistace or a refud from them i lie with those terms. Where you should be etitled to compesatio from your trasport or accommodatio provider we ll require evidece from them of what they have provided ad if they are ot providig ay, their reaso for this. 11 We wo t provide ay cover if you were offered reasoable alterative trasport or accommodatio by the origial provider ad chose ot to accept the offer. 12 We wo t pay ay claim uder this sectio if you make a claim for cacellatio of your trip uder sectio J. 13 We wo t pay ay claim for you to get to a alterative ski resort if you make a claim for lost lift pass costs uder sectio B. Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. Iformatio you will eed to provide if you make a claim for additioal trasport ad/or accommodatio costs We ll eed your origial trip bookig ivoice(s) ad travel documets showig the dates ad times of travel. We ll eed origial receipts ad accouts for all out of pocket expeses you have to pay ad ay origial bills or ivoices you are asked to pay. If you missed your departure, we ll eed a detailed accout of the circumstaces as well as supportig evidece from the public trasport provider, highways agecy, or the accidet or breakdow authority, or the authority whose security measure caused you to miss your departure. 39 DOCUMENT OF INSURANCE TRAVEL

42 If your departure was delayed for more tha 24 hours or was cacelled or you were deied boardig, we ll eed writte cofirmatio from the airlie, coach or railway compay, shippig lie or their hadlig aget of the scheduled ad actual departure times (if applicable) ad why the departure was delayed or cacelled or you were uable to board. If you re uable to stay i your pre-booked accommodatio we ll eed writte cofirmatio of this from the local or atioal authority or the accommodatio provider explaiig the reaso your stay was ot possible (uless the circumstaces of the atural disaster make this impossible). If your ski resort is closed because of bad weather we ll eed writte cofirmatio of this from your tour operator or the local piste authority or lift operator cofirmig the reaso for the closure ad how log it lasted. Please see the makig a claim sectio o page 50 which also applies Sectio L: If your trasport, accommodatio or excursio provider goes bakrupt - this sectio oly applies if you have a Premier policy This sectio of cover is provided by Iteratioal Passeger Protectio Limited, IPP House, Statio Road, West Wickham, Ket BR4 0PR, Uited Kigdom ( IPP ), who are regulated ad authorised by the Fiacial Coduct Authority (FCA registratio ) ad is uderwritte by certai Uderwriters at Lloyd s. The purpose of this sectio is to pay for lost costs if the actual provider (ot the bookig aget) of your trasport / accommodatio / activity / excursio becomes isolvet. The purpose of providig this cover is so you ca cotiue with your trip wheever possible. A additioal defiitio applies to this sectio: Ed supplier The actual provider of your trasport, accommodatio, activity or excursio. Trasport providers are scheduled airlies, ferry compaies, cruise compaies, coach compaies, rail compaies, car retal compaies. Accommodatio providers are the owers of hotels, villas, cottages, mobile homes, caravas, campsites. Activities or excursio providers would iclude compaies ruig safaris, theme parks, tours. What is covered Where a ed supplier becomes isolvet before you start your trip IPP will pay you: 1 Up to 10,000 for costs paid to the isolvet ed supplier that you ca t get back from aywhere else if the ed supplier becomes isolvet before you start your trip. 2 Up to 1,500 for other lost costs or additioal costs that result directly because of the ed supplier s isolvecy. For example, losses because you re uable to get to use your pre-booked accommodatio, car hire, cruise or excursio followig the fiacial failure of a airlie. DOCUMENT OF INSURANCE TRAVEL 40

43 Where a ed supplier becomes isolvet after you have started your trip IPP will pay you: 1 Up to 10,000 for extra costs you have to pay to replace the part of the isolvet ed supplier s arragemets to a similar stadard to what you had origially booked or up to 10,000 for the cost of retur trasport (to a similar stadard to that origially booked) to get you home if you have to cut your trip short due to the ed supplier s isolvecy. 2 Up to 1,500 for lost or additioal costs that result directly because of the ed supplier s isolvecy. For example, because the replacemet flight time results i a extra day s hire car charge or the loss of a excursio. What is ot covered 1 IPP wo t cover ay claim if you were ot i the Uited Kigdom whe you booked the arragemets provided by the ed supplier. 2 IPP wo t cover ay claim if the ed supplier arragemets form part of a package / iclusive holiday. 3 IPP wo t cover ay claim for the fiacial failure of the ed supplier if: a. they were isolvet, or where there was a threat of isolvecy, or ay form of isolvecy or isolvecy protectio had bee filed or applied for at the time your policy or travel tickets for your trip were bought (whichever is the later) ad that you could reasoably have expected to kow about because of media coverage or iformatio beig available o IPP s website b. they are a travel aget, tour orgaiser, bookig aget or cosolidator c. they are boded or isured elsewhere (eve if the bod or isurace is ot sufficiet to meet the claim) 4 IPP wo t make ay paymets for additioal costs if these are ot additioal to costs you were expectig to pay. For example, if you have to chage your accommodatio dates because a airlie goes isolvet ad the provider gives you a refud for your previously booked dates ad the ew bookig costs less tha the refud, o paymet will be made. 5 IPP will oly make a paymet for additioal costs o a like for like basis of ay bookigs origially made. For example, if additioal trasport costs have to be icurred ad your booked trasport is ecoomy class, IPP will oly pay additioal costs for ecoomy class trasportatio. 6 IPP wo t cover ay claim if the moey ca be recovered aywhere else, for example if a third party is legally liable for the loss or if costs ca be recovered uder the Cosumer Credit Act. Evidece will be required to show you have attempted to get compesatio elsewhere if this is appropriate. 7 IPP wo t cover ay claim submitted over six moths after the failure of the ed supplier. Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. 41 DOCUMENT OF INSURANCE TRAVEL

44 What to do if you eed to make a claim because the ed provider of your trasport, accommodatio or excursio has become isolvet You should advise IPP as soo as possible of aythig that might result i a claim. Claim forms ca be dowloaded from the IPP website or call (for TextDirect please dial first) to request a claim form to be set out. Please sed the completed claim form ad all supportig documetatio by post withi six moths of the failure of the ed supplier to: Iteratioal Passeger Protectio Claims Office IPP House, Statio Road, West Wickham, Ket BR4 0PR Complaits procedure for this sectio of cover oly Please call or write to IPP at IPP House, Statio Road, West Wickham, Ket BR4 0PR quotig your policy umber. IPP will ackowledge ay complait, advise you who is dealig with your cocers ad attempt to address them withi five workig days. If IPP s ivestigatios take loger, a full respose or a explaatio of IPP s positio with time-scales for a full respose will be give withi four weeks. If after followig the procedure above you are ot satisfied with the respose you ve had, you may write to: Policyholder ad Market Assistace, Lloyd s, Oe Lime Street, Lodo LC3N 7HA or complaits@lloyds.com. DOCUMENT OF INSURANCE TRAVEL 42

45 Sectio M oly applies if you selected cover for baggage/ persoal belogigs, it is show as covered o your schedule ad you have paid the premium for this cover Sectio M: Cover for items you take o a trip this sectio oly applies if you have selected cover for baggage/persoal belogigs ad it is show as covered o your schedule The mai purpose of this sectio is to provide cover for items you take with you o a trip. You should avoid takig jewellery or valuables away with you. This cover has limits that may ot be eough for expesive items such as photographic or video equipmet. You ca usually isure these items separately uder your home cotets isurace. There are five parts to this sectio. The purpose of the wordig uder what is ot covered that appears uder each part of this sectio is to make it clear if there are ay restrictios to what is covered that has ot already bee metioed. If a situatio occurs that is ot metioed uder the what is covered sectio it is automatically ot covered. However, if you re usure if cover may apply, please call the claims lie o Part 1 Replacemet or hire of baggage items while o a trip What is covered If you have a Essetial policy We ll pay up to a maximum of 250 for the ecessary replacemet of toiletries, medicatio ad items of clothig ad the hire of sports equipmet o a daily basis, if yours is: missig for more tha 12 hours from whe you arrived at your destiatio lost or damaged while o a trip If you have a Premier policy We ll pay you up to a maximum of 500 for the ecessary replacemet of toiletries, medicatio ad items of clothig ad the hire of sports equipmet o a daily basis, if yours is: missig for more tha 12 hours from whe you arrived at your destiatio lost or damaged while o a trip If you re o a cruise ad your policy schedule shows you have cruise cover, the limits above also iclude cover for you to get your items couriered to you if they re delayed by your carrier ad your cruise has already left the port. If you have either a Essetial or Premier policy You must sed us receipts for aythig that you buy or hire. We ll take ay amout that you are due to be paid uder part 1 of this sectio (other tha for hire costs) from the fial amout we pay for the claim uder part 2 of this sectio if the loss is permaet. Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. 43 DOCUMENT OF INSURANCE TRAVEL

46 Part 2 Damaged, lost or stole baggage ad valuables What is covered If you have a Essetial policy We ll pay up to 2,000 i total for your baggage ad valuables (icludig hired sports equipmet you are resposible for ad items bought while o a trip) that are damaged, stole, lost or destroyed while o a trip. The most we ll pay for valuables is 300 i total. The most we ll pay for ay sigle item is 300. Items that have bee bought together to be used together or ca t be purchased separately are cosidered to be a sigle item. If you have a Premier policy We ll pay up to 3,000 i total for your baggage ad valuables (icludig hired sports equipmet you are resposible for) that are damaged, stole, lost or destroyed while o a trip. The most we ll pay for valuables is 500 i total. The most we ll pay for ay sigle item is 500. Items that have bee bought together to be used together or ca t be purchased separately are cosidered to be a sigle item. If you have either a Essetial or Premier policy We ll decide whether to pay the secod-had value to replace items the origial purchase price from which we ll deduct a amout for wear, tear ad loss of value the cost of repairig items What is ot covered 1 We wo t pay the first 50 of ay claim. This applies to each isured perso for each claimed evet. 2 We wo t cover ay theft if you do t report the loss to the local police withi 24 hours of discovery of the icidet ad obtai a writte report from them. 3 We wo t cover ay loss if you do t report the loss to the police or a appropriate perso, which is depedet o where the loss occurs. For istace, if the loss happes while i your accommodatio it should be reported to the accommodatio maager or ower; if the loss happes while o a excursio it should be reported to the excursio orgaiser; if at a restaurat, to the restaurat maager. I all istaces writte evidece of otificatio should be obtaied. 4 We wo t cover ay loss, theft or damage that happes while i trasit if you do t report it to the carrier withi 24 hours of discovery ad obtai a copy of the Property Irregularity Report (this is the form the airport service desk, airlie or aget should complete whe you report the loss/damage). 5 We wo t cover ay loss or theft of, or damage to, the followig: a. items for which you ca t provide proof of owership ad value (or for hired equipmet your legal resposibility for damage to the item) b. valuables uless they are with you or locked i a safe or safety deposit box or locked away i the accommodatio you are usig o your trip DOCUMENT OF INSURANCE TRAVEL 44

47 c. valuables left i a motor vehicle or i a tet d. valuables carried i suitcases, truks or similar cotaiers uless they are with you all the time e. baggage uless it is with you or locked away i the accommodatio you are usig o your trip or out of sight i the locked boot or covered luggage area of a locked motor vehicle, or are carried i lie with your trasport provider s requiremets f. films, video ad audio tapes, computer games, CDs, mii-discs, DVDs, cartridges, memory sticks or cards uless they were bought pre-recorded, i which case we ll pay up to the replacemet cost g. food items, goods that deteriorate, bottles or cartos, ad ay damage caused by these items or their cotets h. pedal cycles i. documets of ay kid, icludig bods, share certificates, guaratees 6 We wo t cover more tha the part of a pair or set that is stole, lost or destroyed. 7 We wo t cover breakage of, or damage to, sports equipmet while it is beig used. 8 We wo t cover cracked, scratched or broke glass (other tha leses i cameras, bioculars, telescopes or spectacles), chia or similar fragile items, uless they are damaged by fire. 9 We wo t cover loss or damage due to weather, wear ad tear, loss i value, the process of cleaig, or as a result of isects or vermi. 10 We wo t pay the cost of replacig or repairig false teeth or cotact or coreal leses, uless the loss or damage is caused by a fire or theft. 11 We wo t cover a claim for more tha oe mobile phoe for each isured perso. 12 We wo t cover ay item which you have specifically isured o aother policy. Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. Part 3 Loss or theft of persoal moey What is covered If you have either a Essetial or Premier policy We ll pay up to 300 for cash ad up to 500 i total for loss or theft of your persoal moey (cash, cheques, postal ad moey orders, curret postage stamps, travellers cheques, coupos or vouchers that have a moetary value, admissio tickets, travel tickets, pre-paid passes (eg for ski lifts)) while o your trip. What is ot covered 1 We wo t pay the first 50 of ay claim. This applies to each isured perso for each claimed evet. 2 We wo t cover the theft of your persoal moey if you do t report it to the local police withi 24 hours of discovery of the icidet ad obtai a writte report from them. 45 DOCUMENT OF INSURANCE TRAVEL

48 3 We wo t cover the loss if you do t report it to the police or a appropriate perso, which is depedet o where the loss occurs. For istace, if the loss happes while i your accommodatio it should be reported to the accommodatio maager or ower; if the loss happes while o a excursio it should be reported to the excursio orgaiser; if at a restaurat, to the restaurat maager. I all istaces writte evidece of otificatio should be obtaied. 4 We wo t cover moey held or used for busiess purposes. 5 We wo t cosider ay claim uless you ca provide a receipt for the amout you had from the place where you got the currecy. 6 We wo t cover persoal moey left i a motor vehicle or tet. 7 We wo t cover persoal moey carried i suitcases, truks or similar cotaiers, uless they are o you or with you all the time. 8 We wo t cover persoal moey uless it is o you, locked i a safe or safety deposit box, or locked i the accommodatio you are usig o your trip. 9 We wo t cover loss caused by a reductio i exchage rates or shortage caused by mistakes i exchagig currecy or depreciatio i value. 10 We wo t cover loss or theft of travellers cheques if the place where you got them from provides a replacemet service. 11 We wo t pay more tha the lowest cost for equivalet tickets if yours were paid for usig ay type of loyalty or rewards scheme. Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. Part 4 Loss of your passport What is covered If you have either a Essetial or Premier policy If your passport is lost, stole or destroyed o your trip: 1 we ll pay up to 500 for the cost of extra trasport, accommodatio ad admiistratio costs you have to pay to get a temporary passport so you ca retur home 2 we ll pay the equivalet cost (based o the curret replacemet costs) of the period left o your passport if it is lost, stole or destroyed If your passport is lost or destroyed withi 7 days of your trip start date we ll pay up to 500 for the cost of extra trasport, accommodatio ad admiistratio costs you have to pay to get a replacemet so you ca travel. If it is t possible to get a replacemet i time for you to travel as scheduled we ll pay up to 500 towards the cost of your trip if you have to cacel, or towards alterative travel to get you to your destiatio. What is ot covered We wo t pay the first 50 of your claim. This applies to each isured perso but does t apply to poit 2 above. Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. DOCUMENT OF INSURANCE TRAVEL 46

49 Part 5 Loss of your drivig licece What is covered If you have either a Essetial or Premier policy We ll pay up to 500 for the cost of extra trasport, accommodatio ad admiistratio costs you have to pay to get a replacemet drivig licece or evidece of your drivig licece from the DVLA durig your trip if: you lose your drivig licece or it is stole or destroyed while you are o a trip ad you eed to provide evidece of your drivig licece to the police authorities or you eed to get evidece of your drivig licece so you ca cotiue with your trip, for example if you eed to hire a car What is ot covered 1 We wo t pay the first 50 of your claim. This applies to each isured perso. 2 We wo t pay ay costs for you to retur home to pick up a replacemet or ew drivig licece. Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. Iformatio you will eed to provide or provide evidece of, if you make a claim because your baggage was delayed, or if your baggage/valuables/moey/passport/drivig licece was lost, stole or damaged If your baggage is delayed you must tell the carrier of the baggage as soo as possible ad i accordace with their coditios of carriage (which may place a strict time limit o you). If a EU airlie, you must claim i writig to them withi 21 days of the baggage beig retured to you. For claims for loss or damage of items while i trasit, you must tell your carrier as soo as possible ad i lie with their coditios of carriage (which may place a strict time limit o you). For damage to checked-i baggage you must claim i writig to a EU airlie withi 7 days of the baggage beig retured to you. We must have a writte report from your carrier if your baggage is delayed or set to the wrog destiatio. You must report ay theft to the local police withi 24 hours of discovery of the icidet ad ask them for a writte police report. If there is a delay i reportig ay theft to the police a full explaatio for the reaso of the delay must be give for your claim to be cosidered. If you lose your passport abroad you must also get writte cofirmatio or a receipt from the Cosulate where the icidet happeed, showig the date of the loss ad the cost of replacemet. You should report ay damage or loss to the police or a appropriate perso (depedig o where the loss / damage occurs such as your courier/trasport provider, or accommodatio maager/holiday represetative) withi 24 hours of the discovery of the icidet ad ask them for a writte report. You must provide suitable evidece of owership (or hire) ad value for lost, stole or damaged baggage ad valuables. 47 DOCUMENT OF INSURANCE TRAVEL

50 If you lose or have moey stole, you must get cofirmatio, such as foreig exchage receipts ad withdrawal slips, from your bak or bureau de chage, that show that foreig currecy or sterlig was issued. You must keep ay damaged items as we may eed to ispect them. If we make a paymet or we replace a item, the damaged item will belog to us. You must get a estimate for repair for damaged items if we ask you to. If you are claimig extra travel or accommodatio costs we ll eed origial receipts. If your passport is lost or stole before you travel we ll eed to see evidece of the costs you icurred to get a replacemet ad that you wet o your trip. If you re uable to get a replacemet i time for your scheduled travel we ll eed to see evidece you cacelled your trip or that you arraged alterative trasport to get to your destiatio. Please see the makig a claim sectio o page 50 which also applies Sectio N: Cruise cover - this sectio oly applies if your schedule shows you have cruise cover (this is automatically icluded o aual multi trip policies ad will be icluded o sigle trip policies if you have told us ay part of your trip ivolves a cruise) Part 1 - Cover to re-joi the cruise after illess What is covered If you re take ill ad have to leave the cruise to have medical treatmet o lad ad are subsequetly cosidered well eough to re-joi the cruise, we ll pay up to 1,000 to get you back oto the cruise vessel at the ext port stop. We may choose ot to pay for you to retur to the cruise vessel if at the poit you re able to re-joi the vessel you have less tha two ights of the cruise remaiig. Istead we will have the additioal optios of payig up to 1,000 for: additioal trasport costs for you to retur home plus ay lost trip expeses (but ot for your uused retur travel tickets) based o each full 24 hour period lost, or additioal accommodatio ad travel (eg to get you to the airport) so you are able to use your origial travel tickets to get home What is ot covered 1 We wo t pay for ay claim that is i ay way related to a pre-existig medical coditio uless this is show as covered o your isurace schedule. 2 We wo t make ay paymet uless we ve bee cotacted before ay expeses have bee icurred ad we ve bee able to cofirm your medical coditio is covered by this policy ad that you are cosidered fit to cotiue your trip. Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. DOCUMENT OF INSURANCE TRAVEL 48

51 Part 2 - Cover if you miss a port departure - this part oly applies if you have a Premier policy What is covered We ll pay up to 1,000 per trip for extra costs you have to pay for trasport ad accommodatio for you to get back oto the cruise vessel you re booked o, if you do t get back to the cruise vessel i time for its scheduled departure from the port because of delays returig from a pre-booked excursio. What is ot covered 1 We wo t cover ay delays from excursios that are ot booked i advace of your trip start date uless they have bee orgaised by the cruise compay. 2 We wo t cover ay delays from excursios uless you ca provide evidece that the excursio provider was scheduled to retur you to the cruise vessel before the cruise vessel was due to depart. Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. Part 3 - Compesatio if a scheduled port stop is cacelled What is covered We ll pay you 150 for each port stop show o your itierary that is cacelled after your trip start date, for example because of bad weather. What is ot covered We wo t pay ay claim uless the cruise compay or tour operator provides writte cofirmatio that the cruise vessel did t stop at the scheduled port. Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. Part 4 - Cabi cofiemet What is covered If you have a Essetial policy We ll pay you 100 for each 24 hour period, up to a maximum 1,000 i total, that you have to stay i your cabi o the orders of the medical officer of the cruise vessel. If you have a Premier policy We ll pay you 150 for each 24 hour period, up to a maximum 1,500 i total, that you have to stay i your cabi o the orders of the medical officer of the cruise vessel. What is ot covered We wo t pay for ay cabi cofiemet that was ot istructed as essetial by the medical officer of the cruise or o their behalf. Please also read the geeral exclusios o pages 15 ad 16 ad geeral coditios o pages 16, 17 ad 18 which also apply. 49 DOCUMENT OF INSURANCE TRAVEL

52 Iformatio you will eed to provide if you make a cruise claim We ll eed to see evidece of the costs you had to pay to retur to the cruise followig your illess or ijury or because you missed the departure. If you re claimig for a missed port departure we ll eed to see evidece from the orgaiser of the excursio that you were retured to the cruise too late to get back o the cruise vessel ad evidece that the excursio was pre-booked. If you re claimig because the cruise did t make a scheduled stop we must have writte cofirmatio from your carrier or tour operator cofirmig your scheduled port visit was cacelled ad the reaso for the cacellatio. If you re claimig the cabi cofiemet beefit, we ll eed to have writte cofirmatio from the medical officer of the cruise that your cofiemet was ecessary. Makig a claim If you eed to make a claim, wheever possible these should be otified to us by the policyholder. To make a claim you may eed to take some actio or obtai some iformatio while you are away. Each sectio of the policy gives some details about the iformatio we ll eed before we ca cosider a claim uder that sectio. To claim, (for all claims other tha uder Sectio L, please see page 40), phoe , for TextDirect please dial first (8am to 8pm Moday to Friday ad 8am to 4pm Saturday) ad ask for a claim form. Or write to LV= Travel Isurace Claims Departmet, PO Box 127, Futigto Park, Cheesmas Lae, Hambrook, Chichester PO18 8WQ. Please keep photocopies of all the iformatio you sed to us. If origial documets / evidece should go missig i the post you will eed to obtai duplicates, which may be difficult to do. You must provide us with the iformatio we ask for ad give us as much detail ad provide as much evidece as possible so we ca hadle your claim quickly. We ll also eed details of ay other isurace you have that may cover the same loss, such as household or private medical isurace. How to make a complait For full details o how to make a complait please see your policy summary ad importat iformatio leaflet. DOCUMENT OF INSURANCE TRAVEL 50

53 Travel Isurace cotact umbers Customer Services Mo-Fri 8am-9pm, Sat 8am-5pm, Su 9am-5pm hr Emergecy Assistace 24 hours a day, 365 days a year Outside UK Withi UK Claims Mo-Fri 8am-8pm, Sat 8am-4pm Pre-travel Advice 24 hours a day, 365 days a year hr Legal Helplie 24 hours a day, 365 days a year For TextDirect: dial first. Calls may be recorded. You ca get this ad other documets from us i Braille, large prit or o audiotape by cotactig us. LV= ad Liverpool Victoria are registered trade marks of Liverpool Victoria Friedly Society Limited ad LV= ad LV= Liverpool Victoria are tradig styles of the Liverpool Victoria group of compaies. Liverpool Victoria Isurace Compay Limited, registered i Eglad ad Wales umber is authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority, register umber Registered address: Couty Gates, Bouremouth BH1 2NF. Tel: /14