Travel Insurance for Premier and Premier Direct Current Account holders

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1 Page 1 of 40 Travel Isurace for Premier ad Premier Direct Curret Accout holders Oly applicable to Premier ad Premier Direct Curret Accouts opeed before July 2010 through Alliace & Leicester. Effective from 22 February 2013.

2 Isurace Policy documet Page 2 of 40 Cotets Part 1: About your travel isurace 03 Travel isurace ad upgrade optios 03 Upgrade optios 03 Our regulator 04 Key facts about our isurace services 05 Key facts policy summary 06 Part 2: Your travel isurace policy 09 Summary of cover 10 Medical screeig health declaratio 11 Europea health cover 12 Period of isurace 12 Cacellig your upgrade 12 Cacellig your policy 12 Geographical limits 12 Importat otes 13 Hazardous activities 14 Defiitios 15 Part 3: Your travel isurace policy details 17 Sectio 1 Cacellatio 17 Sectio 2 Curtailmet 18 Sectio 3 Missed departure 19 Sectio 4 Travel delay 19 Sectio 5 Persoal accidet 20 Sectio 6 Medical emergecy expeses 20 Sectio 7 Medical icoveiece beefit 21 Sectio 8 Persoal baggage 21 Sectio 9 Passport ad/or drivig licece expeses 23 Sectio 10 Persoal liability 23 Sectio 11 Hijack 23 Sectio 12 Muggig beefit 24 Sectio 13 Legal expeses 24 Witer sports cover 24 Sectio 14 Ski equipmet 24 Sectio 15 Ski pack 25 Sectio 16 Piste closure 25 Sectio 17 Avalache closure 26 Busiess equipmet cover 26 Sectio 18 Busiess equipmet 26 Sectio 19 Busiess equipmet hire 26 Sectio 20 Busiess moey 27 Golf equipmet cover 28 Sectio 21 Golf equipmet 28 Sectio 22 Golf equipmet hire 28 Sectio 23 Gree fees 29 Weddig cover 29 Sectio 24 Additioal expeses 29 Sectio 25 Photographs ad video 30 Geeral exclusios that apply to all sectios 31 Coditios that apply to all sectios 32 What to do if you have a complait 33 Fiacial Services Compesatio Scheme 34 How to make a claim 35 For legal expeses (Sectio 13) 35 For Sectios 1 to 12 ad 14 to Assistace Iteratioal 24 hour worldwide emergecy service 37 Pre-travel advice service 38 Data protectio otice 39

3 Isurace Policy documet Page 3 of 40 Part 1: About your travel isurace This booklet cotais everythig you eed to kow about your travel isurace ad upgrade optios. Keep it i a safe place, ad be sure to take it with you whe you travel, alog with your travel isurace schedule. Travel isurace ad upgrade optios As a Premier or Premier Direct Curret Accout customer, you will be well prepared for trips abroad with your free Europea ( Europe as defied o page 15) aual multi-trip travel isurace, (upper age limit is 65). For joit accout holders, you will both receive free travel isurace (upper age limit is 65). This travel isurace is uderwritte ad admiistered by Ageas Isurace Limited. To tailor cover to your idividual eeds a rage of upgrade optios is available for a additioal premium. Upgradig your free travel isurace policy is simple just call Ageas Travel Isurace Customer Services team o (8am to 8pm Moday to Friday, 9am to 4pm Saturday, except bak holidays). Upgrade optios Worldwide: If you are plaig to travel outside of Europe (as defied o page 15) the upgrade your policy to worldwide cover. Hazardous activities cover: If you are plaig a more adveturous holiday our hazardous activity upgrade exteds cover to iclude activities such as bugee jumpig ad abseilig. Family cover: If you are plaig a family holiday our family cover upgrade optio exteds your cover to iclude your spouse/parter ad childre uder 18 who are permaetly residet with you or 21 who are i full-time educatio. Witer sports: If you ited to take a witer sports holiday such as skiig or sowboardig our witer sports upgrade optio provides cover for both you ad your equipmet. Busiess equipmet: If you ited to take a busiess trip our busiess equipmet upgrade optio provides valuable cover for your busiess equipmet such as computers ad samples. Golf cover: Our golfig cover upgrade provides added protectio for golfig holidays, coverig ot oly your golfig equipmet ad replacemet club hire costs but also gree fee costs. Weddig cover: If you are plaig to marry whilst o holiday our weddig cover upgrade provides protectio for your weddig items such as clothes, rigs ad gifts. Exteded trip cover: If you are plaig a log holiday, our exteded trip upgrade provides cover for holidays, our up to 45 or 60 days. (Exteded trip cover is ot available for witer sports.) Excess waiver: With a excess waiver upgrade you will ot have to pay the stadard policy excess i the evet of a claim (except for excesses relatig to busiess equipmet/moey ad golf equipmet).

4 Isurace Policy documet Page 4 of 40 Part 1: About your travel isurace cotiued Our regulator Isurace is regulated by the Fiacial Services Authority (FSA). We have adopted the FSA s keyfacts logo withi our documetatio. This iformatio matches the requiremets laid dow by the FSA. I accordace with their requiremets we are also providig you with the followig suitability statemet. The travel isurace provided as a free beefit with the Premier or Premier Direct Curret Accout meets the demads ad eeds of accout holders who are permaetly residet i the UK ad uder the age of 65, who wish to esure that they are covered by isurace whilst travellig or o holiday (excludig witer sports uless the upgrade premium has bee paid) aywhere i Europe (as defied o page 15), for the typical travel isurace beefits that ca be foud i the market place for a premium, such as cacellatio, emergecy medical expeses whilst abroad ad persoal baggage. Cover is subject to exclusios ad coditios ad you are referred to the Keyfacts Policy Summary withi this pack for a ready referece to the key beefits, exclusios ad coditios. We would remid you that you are uder a duty to disclose all material facts that may ifluece the isurer i the acceptace of the risk, ow ad durig the duratio of the policy. Such material facts iclude medical coditios. If you have ot disclosed all material facts the policy may ot operate i the evet of a claim. If the material fact is i respect of a medical coditio, please refer to medical screeig health declaratio o page 11 to 12 for further iformatio. We have ot provided you with a persoal recommedatio that this policy is suitable for your specific eeds. It is for you to decide whether this cover is suitable for your idividual circumstaces.

5 Page 5 of 40 about our isurace services Satader UK plc 2 Trito Square Reget s Place Lodo NW1 3AN 1 The Fiacial Services Authority (FSA) The FSA is the idepedet watchdog that regulates fiacial services. It requires us to give you this documet. Use this iformatio to decide if our services are right for you. 2 Whose products do we offer? We oly offer products from sigle isurers: Travel isurace Ageas Isurace Limited. 3 Which service will we provide you with? We will advise ad make a recommedatio for you after we have assessed your eeds. 3 You will ot receive advice or a recommedatio from us for travel isurace. We may ask you some questios to arrow dow the selectio of products that we will provide details o. You will the eed to make your ow choice as to how to proceed. 4 What will you have to pay us for our services? A fee. 3 No fee. You will receive a quotatio, which will tell you about ay other fees relatig to ay particular isurace policy. 5 Who regulates us? Satader UK plc. Registered office: 2 Trito Square, Reget s Place, Lodo NW1 3AN is authorised ad regulated by the Fiacial Services Authority, 25 The North Coloade, Caary Wharf, Lodo E14 5HS. Our FSA register umber is Our permitted busiess is: advisig ad arragig life assurace, critical Illess isurace, pesios, ivestmets ad geeral isurace. You ca check this o the FSA s register by visitig the FSA s website or by cotactig the FSA o What do you do if you have a complait? Please cotact us i writig or telephoe the office dealig with your applicatio. If you do ot have the brach details you may cotact Group Customer Relatios, Liverpool, Merseyside GIR 0AA. Telephoe If you caot settle your complait with us you may be etitled to refer it to the Fiacial Ombudsma Service. 7 Are we covered by the Fiacial Services Compesatio Scheme? We are covered by the Fiacial Services Compesatio Scheme (FSCS). If we caot meet our obligatios you may be etitled to compesatio uder the scheme. The scheme covers at least 90% of ay claim with o upper limit. For further iformatio see

6 Isurace Policy documet Page 6 of 40 Policy Summary This is a summary of the policy oly ad does ot cotai the full terms ad coditios of the isurace cotract. The full terms ad coditios are cotaied i the policy documet, which ca be foud o pages 9 to 36 of this documet. Type of isurace Premium payable by you Isurer Period of Isurace Europea (as defied o page 15) aual multi-trip travel isurace (excludig witersports) il, uless policy upgrade take where premium is applicable. Ageas Isurace Limited 12 moths from the date you ope your Premier or Premier Direct Curret Accout as held o our systems. Reewable aually, subject to the terms ad coditios of the policy. Isurers The isurers are Ageas Isurace Limited, apart from Sectio 13 which is arraged by Ultimate Isurace Solutios Limited o behalf of certai uderwriters at Lloyd s. Travel isurace The isurace policy covers Europea aual multitrip persoal travel isurace for the accout holder(s) (maximum age limit of 65 applies) free of charge. This policy provides cover for ay umber of trips i the 12 moth period show o your schedule. The policy will cover trips up to a maximum of 31 days duratio (uless you have paid the appropriate additioal premium to exted this limit to either 45 or 60 days per trip). Your travel isurace schedule ad policy booklet form the basis of the cotract. The below Upgrades are available for a additioal premium: family; witer sports; golf; weddig; busiess equipmet; excess waiver; hazardous activities. worldwide cover; ad exteded trip limit. Sigificat features ad beefits The policy booklet outlies the features ad beefits of the cover provided uder Persoal Travel Isurace. Full details of each sectio ca be foud from pages 17 through to 24 of the policy booklet. Details of additioal cover for witer sports, busiess equipmet, golf equipmet ad weddig cover ca be foud o pages 24 to 30 of the policy booklet. The followig is a summary of some of the beefits available: Cacellatio or curtailmet of holiday up to 5,000. Missed departure up to 1,000. Persoal accidet death 15,000, loss of limb, loss of sight, permaet total disablemet 25,000. Cover for medical expeses up to 10,000,000. Cover for persoal property up to 1,500 with sigle article limit 300, persoal moey 500. Persoal liability up to 2,000,000. Pricipal exclusios or limitatios Cover ceases o the first reewal date o or after age 65 is reached (see page 13 of the policy booklet, Importat otes.) The first 50 of most claims is ot covered. This excess applies to each isured perso uless you have paid the additioal premium for excess waiver (see page 13 of the policy booklet, Importat otes). Cover excludes hazardous activities (e.g. hag glidig, parascedig, big game hutig, moutaieerig, pot holig) a list of what you are covered for as stadard is give i the policy but you must rig the helplie for aythig uusual or potetially hazardous to clarify whether or ot you are covered (see page 14 of the policy booklet, Hazardous activities). Cover may exclude existig medical coditios or potetial medical coditios of you or ayoe else o whom the trip may deped, whether they are travellig with you or ot. You must refer to the health declaratio o pages 11 ad 12 of the policy booklet. If you are uable to agree the health declaratio you must rig the Medical Helplie. They will advise if cover ca be provided. If you do ot do this your claim may ot be met (see page 11 of the policy booklet, Medical screeig).

7 Isurace Policy documet Page 7 of 40 Cover excludes aythig caused by your deliberate act or whilst uder the ifluece of drik or drugs or whilst travellig to territories agaist the advice of the Foreig Office (see page 13 of the policy booklet). Terrorism is excluded except for medical emergecy expeses, persoal accidet ad persoal baggage claims providig the disturbaces occurred after the start of the trip (see page 31 of the policy booklet, exclusio 9). Cover excludes valuables i checked-i baggage (see sectio 8 of the policy booklet, exclusio 5d). Valid oly for trips commecig from ad returig to your home i the UK. If you move to live abroad, this isurace cover will be cacelled (see page 13 of the policy booklet, Importat otes). Ay loss or theft must be reported to the police ad a police report obtaied (see sectio 8 of the policy booklet, exclusio 3). There is o cover for the theft of persoal baggage from uatteded vehicles uless the items are locked away ad are ot visible from outside the vehicle. There is o cover whatsoever for valuable items (as defied o page 16 of your policy booklet) stole from uatteded vehicles or for aythig left i a vehicle overight (see sectio 8 of the policy booklet, exclusios 5e ad 7). Coolig off ad cacellatio rights If you wat to cacel this policy you must cotact Ageas Travel Customer Services o (Use of the policy is at your optio, but if you do ot use it there is o cash equivalet.) We ca cacel this policy at ay time by sedig you 30 days otice i writig. We will sed the otice to the last kow address we have for you. If you have paid to upgrade your policy you ca cacel the upgrade withi 14 days from the date you receive the policy schedule, or from the start date, whichever is later. We will the refud the premium you have paid i full. No refud of premium for policy upgrades is available after the 14-day period. If you wish to cacel your upgrade please cotact Ageas Travel Customer Services o Makig a claim To make a claim please telephoe the claims lie o This lie is ope 24 hours a day, 365 days a year. Please have your policy details available. We may ask for documetatio to support your claim. Please see the policy wordig for further details. If you eed help i a medical emergecy please call Customer care Should there ever be a occasio where you eed to complai, we will sort this out as quickly ad fairly as possible. If your complait is about the way your policy was admiistered, please cotact the followig to report your complait: The Compliace Maager Ageas Isurace Solutios Prospect House Gordo Baks Drive Tretham Lakes North Stoke-o-Tret ST4 4TW Alteratively you ca either cotact us by o travelcomplaits@ukais.co.uk or by telephoe o If you have a complait regardig your claim, please telephoe us o the umber show i your claims documetatio. Alteratively you ca write to us at the address below or us through our website at (please iclude your policy umber ad claim umber if appropriate). Customer Services Advisor Ageas Isurace Limited Ageas House Tollgate Eastleigh Hampshire SO53 3YA We will try to resolve your complait by the ed of the ext workig day. If we are uable to do this, we will write to you withi five workig days to either:

8 Isurace Policy documet Page 8 of 40 Tell you what we have doe to resolve the problem; or Ackowledge your complait ad let you kow whe you ca expect a full respose. We will also let you kow who is dealig with the matter. We will always aim to resolve your complait withi four weeks of receipt. If we are uable to do this we will give you the reasos for the delay ad idicate whe we will be able to provide a fial respose. If your complait is cocerig sectio 13 Legal expeses, please write to us at: Ultimate Isurace Solutios Limited The Coect Cetre Kigsto Crescet Portsmouth Hampshire PO2 8DE Cotact the Fiacial Ombudsma Service If the appropriate party caot resolve your complait, you may refer your complait to the Fiacial Ombudsma Service. You ca ask the Fiacial Ombudsma Service to review your complait if for ay reaso you are still dissatisfied with the fial respose, or if the appropriate party have ot issued their fial respose withi eight weeks from you first raisig the complait. You ca cotact the Fiacial Ombudsma Service at the address below, however they will oly cosider your complait oce you ve tried to resolve it with us. Fiacial Ombudsma Service South Quay Plaza 183 Marsh Wall Lodo E14 9SR We will review your complait ad do our best to address your cocers. If the matter is ot resolved to your satisfactio you ca write to the Fiacial Ombudsma Service ad further iformatio about this ca be foud i the followig text. Usig this complaits procedure will ot affect your legal rights. Fiacial Services Compesatio Scheme We are covered by the Fiacial Services Compesatio Scheme (FSCS). If we caot meet our obligatios the you may be etitled to compesatio uder the scheme. For this type of poilcy, the scheme provides protectio for 90% of the claim with o upper limit. Further iformatio about the operatio of the scheme is available o the FSCS website:

9 Isurace Policy documet Page 9 of 40 Part 2: Your travel isurace policy Although your cover is free it is subject to terms ad coditios. To esure the cover meets your eeds please read your policy carefully, particularly otig the Medical screeig, Importat otes ad Hazardous activities sectios. This policy wordig cofirms that isurace is available o a aually reewable basis o the terms, exceptios ad coditios set out herei for the Premier or Premier Direct Curret Accout holder(s) from the date of opeig your Premier or Premier Direct Curret Accout as recorded o Satader s system ad edig whe: you o loger hold the Premier or Premier Direct Curret Accout that etitles you to this policy; or your accout is closed for ay reaso or ceases to be a Premier or Premier Direct Curret Accout; or the policy ceases to be offered as a beefit with your curret accout (ad you have bee otified of this i accordace with your curret accout terms ad coditios). Satader has the right to chage the isurer i accordace with the coditios of your Premier or Premier Direct Curret Accout, ad you will receive advace otice if this occurs. Also isured are ay amed additioal persos if the family upgrade optio has bee take ad the appropriate premium paid. This policy does ot automatically cover witer sports holidays, busiess equipmet cover, golf equipmet cover or weddig cover. If you require witer sports cover, busiess equipmet cover, golf equipmet cover or weddig cover, you must take the upgrade to your policy ad pay the appropriate premium. This policy is ot available to persos aged 65 or over ad cover will cease o the first reewal date of your policy o or after your 65th birthday. This policy is oly valid for trips commecig from ad returig to your home i the Uited Kigdom. If you move to live abroad, this isurace cover will be cacelled. Your policy is reewable aually o the aiversary date of the opeig of your Premier or Premier Direct Curret Accout. Ay upgrades will also be reewable o the same date. Please ote that ay policy upgrades previously take will ot be automatically reewed. If you wish to cotiue ay upgrades previously take you will eed to cotact us o to make paymet of ay additioal premium due. Prior to your policy expirig, we will write to you to advise that your policy is shortly due for reewal. The letter will explai that your policy will be automatically reewed to esure uiterrupted cover provided you are still a Premier or Premier Direct Curret Accout holder. The letter will also explai that if you do ot wish to reew your policy, all you have to do is advise us o

10 Isurace Policy documet Page 10 of 40 Part 2: Your travel isurace policy cotiued Summary of cover Sectio umber Sectio of cover Beefit per perso Excess 1 Cacellatio Up to 5, Curtailmet Up to 5, Missed departure Up to 1,000 Nil 4 Travel delay Up to 100 Nil 5 Persoal accidet Up to 25,000 Nil 6 Medical expeses Up to 10,000, Medical icoveiece Up to 1,000 Nil 8 Persoal baggage Up to 1,500 (15 December to 15 Jauary up to 2,000) 9 Passport/Drivig licece Up to 250 Nil 10 Persoal liability Up to 2,000,000 Nil 11 Hijack Up to 1,000 Nil 12 Muggig beefit Up to 1,000 Nil 13 Legal expeses Up to 25,000 Nil Please ote that the amouts show are the most you ca claim uder the sectio but other limits may apply. For policy upgrades or equiries call Ageas Travel Isurace Customer Services o

11 Isurace Policy documet Page 11 of 40 Part 2: Your travel isurace policy cotiued Medical screeig health declaratio Your travel isurace policy cotais health restrictios ad exclusios. Our Medical Helplie uses a medical screeig assessmet compay to determie whether full cover ca be provided, restrictios applied, cover offered for a additioal premium to iclude cover for certai coditios or whether cover caot be offered. The declaratio is i two parts. You must be able to agree to both parts of the declaratio whe this isurace starts, at each reewal, each time you book a trip ad each time the policy is upgraded to iclude additioal travellers. Part 1: must be agreed by you ad ayoe amed o your isurace schedule. Part 2: applies to: a) ayoe travellig with you who is ot amed o your isurace schedule; ad b) immediate relatives, close busiess associates or ayoe else whose health may affect the trip. Part 1 As far as I kow, the followig applies to me ad ayoe amed o the isurace schedule. a) Nobody is waitig for a operatio, hospital cosultatio (other tha for regular check ups), or other hospital treatmet or ivestigatios. b) Nobody has ever received treatmet for ay of the followig; a stroke; ay heart problem; c) Nobody has received treatmet, other tha regular medicatio, i the last 12 moths for ay blood disorder, breathig problem, diabetes, psychiatric illess or demetia. Note: supplemetary oxyge is ot cosidered as regular medicatio. d) Nobody has, withi the last three moths: bee see by a specialist (other tha for regular check ups at itervals of six moths or greater); or bee admitted to a hospital overight. e) Nobody has bee diagosed by a registered doctor as havig a termial coditio. If you or ayoe amed o your isurace schedule caot agree with this declaratio, you must phoe the Medical Helplie o quotig scheme code ALP. They will tell you if we ca give cover. If you caot cotact them whe this isurace starts, you must cotact them withi 14 days, but before you travel. They will tell you if they eed ay more iformatio. You may eed to pay a extra premium to iclude cover for certai medical coditios. If there is a chage i your medical coditio or the medical coditio of ayoe amed o your isurace schedule (after this isurace has started but before you travel) ad you ca o loger agree with the declaratio, you must cotact the Medical Helplie o quotig scheme code ALP. They will tell you if cover ca cotiue. If we caot cotiue cover, you may claim for the cost of cacellig at that time. ay form of cacer, leukaemia or tumour; dialysis treatmet; or a trasplat.

12 Isurace Policy documet Page 12 of 40 Part 2: Your travel isurace policy cotiued Part 2 If, whe this isurace starts (or bookig a trip if this was later) your immediate relatives, close busiess associates or ayoe else whose health may affect the trip had a medical coditio for which he or she: was receivig treatmet at hospital; was waitig for a hospital cosultatio or treatmet; or had bee give a termial progosis, or bee told that their coditio is likely to get worse i the ext 12 moths; we will ot pay for ay claim you make which has aythig to do with the medical coditio of that immediate relative or close busiess associate. Europea health cover If you are travellig to a Europea Uio coutry you should pick up a Europea Health Isurace Card (EHIC) from your local Post Office. This allows you to receive free or reduced-cost emergecy health care i Europea coutries. If we agree to a claim for medical expeses which has bee reduced by your usig the EHIC or private health isurace, you will ot have to pay the excess for this sectio. If you do ot have a EHIC this isurace policy is still valid. Period of isurace Cacellatio cover commeces from the start date as show o your isurace schedule or whe you book a trip whichever is later ad eds at the start of your plaed trip. Ay additioal premium you may have paid for upgrades caot be refuded after the commecemet date, except withi the first 14 days of the ameded schedule beig received. The remaiig covers apply for the duratio of the booked trip (or earlier retur to the Uited Kigdom) ad icludes the period of travel from your home directly to the departure poit ad back to your home directly afterwards, ot exceedig 24 hours i each case. If the retur is uavoidably delayed due to evets which you have o cotrol over, cover will be exteded free of charge for the period of that delay. Please ote: all cover will cease immediately whe: you reach the first reewal date of your policy o or after your 65th birthday; or you o loger hold the Premier or Premier Direct Curret Accout that etitles you to this policy; or your accout is closed for ay reaso or ceases to be a Premier or Premier Direct Curret Accout; or the policy ceases to be offered as a beefit with your curret accout (ad you have bee otified of this i accordace with your curret accout terms ad coditios). Cacellig your upgrade If you have paid to upgrade your policy you ca cacel the upgrade withi 14 days from the date you receive the ameded schedule. We will the refud the premium you have paid i full. No refud of premium is available after the 14-day period. Cacellig your policy If you wat to cacel this policy you must cotact us o We ca cacel this policy at ay time by sedig you 30 days otice i writig. We will sed the otice to the last kow address we have for you. Geographical limits Europe all coutries defied as the Uited Kigdom, mailad Europe, the Republic of Irelad, Madeira, the Caary Islads, Syria, Turkey, Tuisia, Egypt, Israel ad all coutries borderig the Mediterraea Sea. If you have paid the appropriate additioal premium, we will upgrade the geographical limits of your policy to provide worldwide cover.

13 Isurace Policy documet Page 13 of 40 Part 2: Your travel isurace policy cotiued Importat otes 1 You must follow ay relevat suggestios or recommedatios made by ay govermet or other authority icludig the Foreig ad Commowealth Office before ad durig the period of isurace. 2 This policy is oly available to persos residet i the Uited Kigdom. 3 This policy is oly valid for trips commecig from ad returig to your home i the Uited Kigdom. If you move to live abroad, this isurace cover will be cacelled. 4 Cover is oly available for the whole duratio of the booked trip. Cover caot be effected oce a jourey has commeced. 5 The maximum duratio of ay oe trip is 31 days (uless you have paid the appropriate additioal premium to exted this limit to either 45 days or 60 days per trip). Please ote that exteded trip cover is ot available for witer sports trips. 6 Witer sports cover, Sectios 14-17, is oly applicable if the witer sports upgrade has bee take ad the relevat additioal premium paid. Witer sports trips are limited to 21 days per policy year if you have paid the witer sports premium. 7 This policy provides cover for trips i the Uited Kigdom, oly if they iclude at least five ights pre-booked paid accommodatio. 8 Uder some sectios there is a amout deducted (a excess) per icidet, which applies to each isured perso ivolved i a icidet, as do the sums isured uder each sectio. If you have paid the additioal premium for excess waiver cover you will ot have to pay the excess (except uder busiess equipmet, busiess moey or golf equipmet cover). 9 If your moey, valuables or ay items of persoal baggage, are lost or stole, you must otify the local police withi 24 hours of discovery ad obtai a copy of the police report. Failure to comply will result i your claim beig tured dow. 10 Childre uder the age of 2 at the time of travel are isured free of charge providig they are travellig with a adult isured uder the same policy ad are amed o the policy schedule. 11 If you have take the family upgrade optio, cover applies to you ad your spouse (icludig commo-law spouse ad civil parter), plus all your umarried depedet childre uder the age of 18 years who are permaetly residig with you or 21 years who are i full time educatio. Your umarried depedet childre are oly covered whe travellig with ad uder the supervisio of a adult who is resposible for their care for the legth of the trip. 12 This policy is ot available to persos aged 65 or over ad cover will cease o the first reewable date of your policy o or after your 65th birthday (uless your policy schedule cofirms that cover is provided beyod your 65th birthday).

14 Isurace Policy documet Page 14 of 40 Part 2: Your travel isurace policy cotiued Hazardous activities Your policy does ot provide cover for hazardous activities. Please refer to the Geeral exclusios sectio, o pages 31 ad 32. The list below provides further idicatio of some of the activities that you are covered for. However, if you ited to udertake ay hazardous activity which does ot fall squarely withi ay of the categories listed below or listed withi the Geeral exclusios sectio, you must cotact us o to check whether or ot you are covered or whether cover is available upo paymet of a additioal premium. Sorkellig Surface water sports Swimmig Teis Volleyball Water skiig White water raftig (to Cat.2) Widsurfig Yachtig (coastal waters oly). Some of the activities you are covered for: Archery Badmito Baseball Clay pigeo shootig Cyclig (ot racig) Deep sea fishig Fell walkig Go-kartig Golf Hikig/Hill walkig (where o ropes or guides are required) Horse ridig (ot racig, hutig or competig) Hot air ballooig (licesed operator oly, ot pilotig) Motorcyclig (restricted to 125cc, uless the driver has a full licece to drive a motorbike of more tha 125cc) Orieteerig Poy trekkig Rouders Rowig Scuba-divig to a depth of 30 metres Examples of activities covered i additio to the above, if you have paid for the witer sports cover: Cross-coutry skiig Dog sleddig Dowhill skiig Glacier walkig Heli-skiig Ice skatig (o a froze lake or similar) Mogul skiig Moo skiig Skiig o or off-piste (with a qualified guide or istructor) Sowboardig o or off-piste (with a qualified guide or istructor) Sowmobilig Speed skatig Toboggaig. If you ited to udertake ay activity ot listed that may be cosidered hazardous or require cofirmatio of whether your activity is isured, please call us o We may be able to cover your activity as stadard or i some cases for a additioal premium.

15 Isurace Policy documet Page 15 of 40 Part 2: Your travel isurace policy cotiued Defiitios Wherever the followig words ad phrases appear i bold i this policy they will always have these meaigs: Acts of terrorism A act, icludig but ot limited to the use or threat of force or violece, by ay perso or group, whether actig aloe or o behalf of or i coectio with ay orgaisatio(s) or govermet(s), committed for political, religious, ideological or ethic purposes or reasos, icludig the itetio to ifluece ay govermet ad/or to cause fear to the public or ay sectio of the public. Close busiess associate Ay perso whose absece from busiess for oe or more complete days at the same time as your absece prevets the effective cotiuatio of that busiess. Curtail/Curtailmet Retur early to your home i the Uited Kigdom. Europe All coutries defied as the Uited Kigdom, mailad Europe, the Republic of Irelad, Madeira, the Caary Islads, Syria, Turkey, Tuisia, Egypt, Israel ad all coutries borderig the Mediterraea sea. Hijack The ulawful seizure or wrogful exercise of cotrol of a aircraft or coveyace which you are travellig i as a passeger. Home Your permaet residetial address i the Uited Kigdom. Immediate relative Mother, father, sister, brother, wife, husbad, commo law parter, civil parter, daughter, so, gradparet, gradchild, paret-i-law, so-i-law, daughter-i-law, brother-i-law, sister-i-law, stepparet, step-child, step-brother or step-sister. Loss of limb Physical permaet ad total loss of use of oe or more limbs at or above the wrist or akle. Loss of sight The complete ad irrecoverable ad irremediable loss of sight i oe or both eyes. Medical practitioer A registered practisig member of the medical professio who is ot related to you or to ay perso you are travellig with, or itedig to stay with. Moey Cash, postal ad moey orders, travel tickets, lift passes (i respect of witer sports trips where the appropriate premium has bee paid), passports, petrol coupos ad gree cards held by you for social, domestic ad pleasure purposes. Muggig/mugged A violet attack o you with a view to theft by perso(s) ot previously kow to you. Persoal accidet Accidetal bodily ijury caused solely ad directly by outward violet ad visible meas.

16 Isurace Policy documet Page 16 of 40 Part 2: Your travel isurace policy cotiued Persoal baggage Your suitcases (or similar luggage carriers) ad their cotets usually take o a trip, together with articles wor or carried by you for your idividual use durig your trip. Permaet total disablemet Total disablemet where you caot do ay kid of paid work. Public trasport The followig regular scheduled forms of trasport: Trai, Coach, Taxi, Bus, Aircraft or Sea Vessel where you are a fare-payig passeger. Redudacy Ay perso beig declared redudat, who is uder 65 years ad uder the ormal retirig age for someoe holdig that perso s positio, ad who has bee employed for two cotiuous years with the same employer at the time of beig made redudat. Ski equipmet Skis, ski boots, ski poles ad sowboards. Ski pack Pre-booked lift passes, hired skis or sowboards, boots ad poles ad ski school fees. Trip Ay retur jourey that starts ad fiishes from your home or place of busiess i the Uited Kigdom ad icludes the period of travel from home directly to the departure poit ad back to your home directly afterwards, ot exceedig 24 hours i each case. Uited Kigdom Eglad, Scotlad, Wales, Norther Irelad, the Isle of Ma ad Chael Islads. Valuables Icludes watches, furs, jewellery, gold, silver or precious metals, bioculars, photographic equipmet, video equipmet, camcorders ad audio equipmet, electroic games cosoles; electroic games ad accessories; pre-recorded films, tapes or discs, portable avigatio equipmet. We/Us/Our Ageas Isurace Limited ad the other isurers show at the rear of this policy. Worldwide All coutries, icludig those uder Europe ad Uited Kigdom. You/Your Each isured perso amed o the schedule.

17 Isurace Policy documet Page 17 of 40 Part 3: Your travel isurace policy details Sectio 1 Cacellatio Up to 5,000 for uused travel ad accommodatio charges which are ot recoverable elsewhere ad which you have paid or cotracted to pay should you have to cacel your trip before you leave your home or place of busiess as a result of the followig commecig durig the period of isurace: 1 the death or disablemet by bodily ijury, illess, or beig subject to quaratie of: a) you; b) ay perso you are itedig to travel or stay with; c) a immediate relative of yours or of ay perso you are itedig to travel with; or d) a close busiess associate of yours; 2 you beig called for jury service or as a witess (but ot as a expert witess or where your employmet would ormally require you to atted court) i a Court of Law; 3 your redudacy or the redudacy of ay perso you are itedig to travel with, provided that we are iformed i writig immediately whe otificatio of redudacy is received ad that you were ot aware of ay impedig redudacy at the time of bookig your trip(s); You are ot covered for 1 claims where a medical certificate has ot bee obtaied from a medical practitioer, cofirmig that cacellatio of the trip is medically ecessary; 2 the first 50 of each ad every icidet per each isured perso ivolved i the icidet ( 10 for loss of deposit claims oly), uless you have paid the excess waiver premium; 3 if you do ot tell the travel aget, tour operator or orgaisatio providig trasport ad accommodatio as soo as you eed to cacel your trip, the amout we pay will be limited to the cacellatio charges that would have applied at that time; ad 4 aythig caused directly or idirectly by: a) prohibitive regulatios by the Govermet of ay coutry; b) aythig metioed i the Geeral Exclusios; or c) your disicliatio to travel. 4 your home or place of busiess beig made uihabitable, up to 14 days before the commecemet of your trip, due to fire, lightig, explosio, earthquake, subsidece, storm, flood, fallig trees, riot or civil commotio, malicious damage, burst pipes, impact by aircraft or the police requestig your presece followig burglary or attempted burglary at your home or place of busiess.

18 Isurace Policy documet Page 18 of 40 Part 3: Your travel isurace policy details cotiued Sectio 2 Curtailmet Curtailmet is oly applicable if your retur to the Uited Kigdom durig the period of isurace is earlier tha plaed. This sectio icludes the services of Assistace Iteratioal (details show o page 37) who must be cotacted immediately i the evet of a serious ijury, illess or hospitalisatio, where repatriatio has to be cosidered. Up to 5,000 for: 1 The value of the portio of your travel ad accommodatio arragemets which have ot bee used ad which were paid for before your departure from the Uited Kigdom (icludig your ski pack, which does ot have to be paid for before your departure from the Uited Kigdom, i respect of witer sports trips where the appropriate premium has bee paid), if you, ad where appropriate a compaio covered by this policy, have to curtail your trip ad retur to your home earlier tha plaed due to: a) the death, severe ijury or serious illess of: (i) you or ay perso you are travellig with; 2 Reasoable additioal travellig expeses icurred by you for returig to the Uited Kigdom (Ecoomy Class) earlier tha plaed for a reaso stated uder beefit 1 of this sectio. You are ot covered for 1 the first 50 of each ad every icidet per each isured perso ivolved i the icidet, uless you have paid the excess waiver premium; 2 claims that are ot cofirmed as medically ecessary by Assistace Iteratioal, ad where a medical certificate has ot bee obtaied from the attedig medical practitioer abroad cofirmig it ecessary to curtail the trip ad that you are fit to travel; 3 additioal travellig expeses icurred which are ot authorised either by us or Assistace Iteratioal, as detailed o page 37; ad 4 aythig metioed i the Geeral Exclusios. Note: it is a requiremet of this isurace that you cotact Assistace Iteratioal immediately if you wish to retur home for ay reaso listed uder Sectio 2 Curtailmet (or by ay method other tha as origially plaed). Failure to do so will affect your claim. (ii) a immediate relative of yours residet i the Uited Kigdom; or (iii) a close busiess associate of yours residet i the Uited Kigdom. b) your home or place of busiess beig made uihabitable due to fire, lightig, explosio, earthquake, subsidece, storm, flood, fallig trees, riot or civil commotio, malicious damage, burst pipes, impact by aircraft or the police requestig your presece followig burglary or attempted burglary at your home or place of busiess. The proportioate value of costs will be calculated from the date of retur to the Uited Kigdom.

19 Isurace Policy documet Page 19 of 40 Part 3: Your travel isurace policy details cotiued Sectio 3 Missed departure This sectio does ot apply to trips withi the Uited Kigdom (except for trips to the Chael Islads or to the Isle of Ma). Up to 1,000 for the cost of reasoable extra travel ad accommodatio expeses to allow you to carry o with your trip if oe of the followig takes place durig the period of isurace: 1 labour dispute, civil disturbace, mechaical breakdow or bad weather which iterrupts scheduled public trasport services icludig booked coectig flights; 2 a accidet or breakdow ivolvig the vehicle i which you are travellig ad which causes you to arrive at the airport, port or statio you are leavig from o your outward or retur jourey too late to start the jourey you have booked; or 3 a road traffic accidet ivolvig aother vehicle e route to the airport, port or statio you are leavig from o your outward or retur jourey which causes you to arrive too late to start the outward or retur jourey you had booked. You are ot covered for 1 if sufficiet time has ot bee allowed for your jourey; 2 if, i the case of a labour dispute, the dispute is aouced ad begis before the start of the period of isurace; 3 if, i the case of your vehicle breakig dow or beig ivolved i a accidet, you do ot sed us a repairer s report or police accidet report; 4 if, i the case of aother vehicle beig ivolved i a accidet, you do ot sed us cofirmatio from the police or motorig authorities (e.g. Highways Agecy, RAC, AA etc.) to cofirm the delay; 5 if you are ot proceedig directly to the departure poit; ad Sectio 4 Travel delay This sectio does ot apply to trips withi the Uited Kigdom (except for trips to the Chael Islads or to the Isle of Ma). 1 a beefit of 20 for each full 12 hours you are delayed, up to a maximum of 100 (regardless of the umber of icidets of delay); or 2 up to 5,000 if you abado the trip after the first full 12 hours; if your outward flight, sea crossig or trai departure from the Uited Kigdom is delayed for more tha 12 hours beyod the iteded departure time (as specified o the travel ticket) as a result of: a) strike or idustrial actio (provided that whe this policy was take out, there was o reasoable expectatio that the trip would be affected by such cause); b) adverse weather coditios; or c) mechaical breakdow or techical fault of the aircraft, trai or sea vessel. You are ot covered for 1 if you do ot check-i for the flights, sea crossig or trai departure before the iteded departure time; 2 if you do ot obtai writte cofirmatio from the airlie, shippig or trai compay statig the period ad the reaso for the delay; 3 ay claims arisig from withdrawal from service temporarily or otherwise of the aircraft, trai or sea vessels o the orders or recommedatio of the Civil Aviatio Authority or a Port Authority or similar body i ay Coutry; 4 the first 50 of each ad every icidet per each isured perso ivolved i the icidet uless you have paid the excess waiver premium. (This is oly applicable if you abado the trip); ad 5 aythig metioed i the Geeral Exclusios. 6 aythig metioed i the Geeral Exclusios.

20 Isurace Policy documet Page 20 of 40 Part 3: Your travel isurace policy details cotiued Sectio 5 Persoal accidet The followig beefits will be paid to you or your legal persoal represetative if you have a persoal accidet durig your trip which withi 12 moths of the date of the accidet is the sole cause of your cosequet death or disability: 1 death 15,000; ad 2 loss of limbs, loss of sight or permaet total disablemet 25,000. Note: if you are aged uder 16 at the time of the accidet the death beefit will be limited to 1,000 ad the permaet total disablemet beefit will ot apply. You are ot covered for Ay claims for death, loss or disablemet caused directly or idirectly by: 1 a disease, ay physical defect or illess or ay aturally occurrig coditio; 2 a ijury which existed prior to the commecemet of the trip; or 3 aythig metioed i the Geeral Exclusios. Sectio 6 Medical emergecy expeses (ot private health isurace) This sectio does ot apply to trips withi the Uited Kigdom (except for trips to the Chael Islads ad to the Isle of Ma, whe NHS treatmet is ot available). This sectio does ot cover you for ay ijury resultig from you takig part i witer sports uless you have paid the additioal witer sports premium. Before a claim for emergecy expeses ca be submitted uder this sectio, you must cotact Assistace Iteratioal (details show o page 37). The followig expeses up to 10,000,000 caused by your becomig ill, beig ijured or dyig durig the period of isurace, as log as the expeses are ecessary ad the costs reasoable. a) Expeses you would have to pay, outside the Uited Kigdom ad the coutry where you ormally live, withi 12 moths of the start of your illess or ijury. The expeses must be for medical, surgical, hospital charges, ambulaces (icludig retur to your holiday accommodatio by ambulace or taxi if o other meas of trasport is available), ursig homes ad ursig. Claims for emergecy detal treatmet (for the relief of pai oly) shall be limited to 350. b) The extra cost of returig to your home, icludig returig you by air ambulace if this is medically ecessary. c) Extra accommodatio (room oly) expeses. d) Extra travel (ecoomy class) ad accommodatio (room oly) expeses for oe perso who either has to stay with you or has to travel from the Uited Kigdom to escort you home if you are seriously ill or ijured. e) The cost of fueral expeses abroad up to 1,000 or of brigig your body or ashes home. Note: all receipts must be retaied ad produced i the evet of a claim. Your claim may be rejected if receipts are ot produced. If you become ill or are ijured we have the right to brig you back home, if the treatig doctor ad medical assistace doctor agree that you ca safely travel home.

21 Isurace Policy documet Page 21 of 40 Part 3: Your travel isurace policy details cotiued You are ot covered for 1 the first 50 of each ad every icidet per each isured perso ivolved i the icidet uless you have paid the excess waiver premium; 2 ay sums which ca be recovered by you ad which are covered uder ay Natioal Isurace Scheme or Reciprocal Health Arragemet; 3 ay expeses icurred for illess, ijury or treatmet required i cosequece of: a) surgery or medical treatmet which i the opiio of the attedig doctor ad the Assistace Iteratioal ca be reasoably delayed util your retur to the Uited Kigdom. b) medicatio ad/or treatmet which at the time of departure is kow to be required or to be cotiued outside the Uited Kigdom. 4 prevetative treatmet which ca be delayed util your retur to the Uited Kigdom; 5 if you have ot obtaied a writte certificate of fitess ad ability to travel ad edure the trip where you are udergoig medical treatmet as a hospital out-patiet at the time of payig the fial balace of your trip; 6 claims that are ot cofirmed as medically ecessary by the attedig doctor or Assistace Iteratioal; 7 the cost of ay elective (o emergecy) treatmet or surgery, icludig exploratory tests, which are ot directly related to the illess or ijury which ecessitated your admittace ito hospital; 8 ay additioal hospital costs arisig from sigle or private room accommodatio uless agreed by us; 9 treatmet or service provided by a health spa, covalescet or ursig home or ay rehabilitatio cetre, uless agreed by us; ad 10 aythig metioed i the Geeral Exclusios. Sectio 7 Medical icoveiece beefit This sectio does ot apply to trips withi the Uited Kigdom (except for trips to the Chael Islads ad to the Isle of Ma whe NHS treatmet is ot available). A beefit of 20 for each complete 24 hours spet as a i-patiet if you are admitted to a registered hospital abroad, up to a maximum of 1,000, i additio to ay medical expeses icurred uder Sectio 6 of this policy. Note: documetatio must be submitted to cofirm the date ad time of admissio ad discharge. You are ot covered for Aythig metioed i the Geeral Exclusios. Sectio 8 Persoal baggage a) Persoal baggage Up to 1,500 (exteded to 2,000 as a Christmas Special from 15 December util 15 Jauary oly) for the value or repair of ay of your ow persoal baggage (ot hired, loaed or etrusted to you), which is lost, stole, damaged or destroyed (after makig proper allowace for wear ad tear ad loss of value). Limited to 300 for all valuables i total, limited to 300 for sigle ad/or a pair or set of articles, limited to 300 for all golf equipmet. Note: i the evet of a claim for a pair or set of articles we shall be liable oly for the value of that part of the pair or set, which is lost, stole, damaged or destroyed. b) Delayed persoal baggage Up to 100 for the first full 12 hours delay ad up to 100 for the ext full 12 hours delay immediately after that towards the cost of buyig replacemet ecessities if your ow persoal baggage is delayed i reachig you o your outward jourey, ad you have a writte report from the carrier (i.e. airlie, shippig compay etc.).

22 Isurace Policy documet Page 22 of 40 Part 3: Your travel isurace policy details cotiued Receipts will be ecessary i the evet of a claim. Note: if your persoal baggage proves to be permaetly lost ad we agree to pay a claim uder Sectio a), we will deduct ay amout we have already paid uder Sectio b). c) Persoal moey Up to 500 (limited to 250 for cash losses) if your ow moey is lost or stole whilst beig carried o your perso or left i a locked safety deposit box. Note: if you are aged uder 16, claims uder Persoal moey are limited to 50 overall. You are ot covered for 1 the first 50 of each ad every icidet per each isured perso ivolved i the icidet, uless you have paid the excess waiver premium; 2 if you do ot exercise reasoable care for the safety ad supervisio of your property; 3 if you do ot obtai a writte police report withi 24 hours of the discovery i the evet of loss, burglary or theft of persoal baggage, valuables or moey; 4 if your persoal baggage is lost, damaged or delayed i trasit, if you do ot: a) otify the carrier (i.e. airlie, shippig compay, etc.) immediately ad obtai a writte carriers report (or Property Irregularity Report i the case of a airlie); or b) follow up i writig withi seve days to obtai a writte carriers report (or Property Irregularity Report i the case of a airlie), if you are uable to obtai oe immediately. 5 loss, destructio, damage or theft: a) from cofiscatio or detetio by customs or other officials or authorities; b) of cotact leses, detures, hearig aids, samples or merchadise, bods, coupos, securities, stamps or documets of ay kid, vehicles or vehicle accessories (other tha wheelchairs ad pushchairs oly), tets, atiques, musical istrumets, pictures, typewriters, mobile telephoes, computers ad/or accessories, televisios, sports equipmet whilst i use, pedal cycles, dighies, boats ad/or acillary equipmet, glass or chia; c) due to wear ad tear, detig or scratchig, moths or vermi; d) of valuables left as checked-i baggage; e) of valuables left i a vehicle at ay time; f) of valuables left uatteded uless i locked accommodatio, a safe or a safety deposit box; g) caused by deterioratio, or mechaical deragemet of ay kid; h) to witer sports equipmet (see optioal witer sports isurace Sectios 14-17). 6 breakage of fragile or brittle articles beig trasported by a carrier, uless the breakage is due to fire or other accidet to the vessel, aircraft or vehicle they are beig carried i; 7 persoal baggage: a) stole from a uatteded vehicle, uless it was i the locked glove compartmet, or rear boot or luggage area of the vehicle ad is covered so as ot to be visible from outside the vehicle, ad there is evidece of forcible ad violet etry; or b) left i a vehicle overight. 8 ay shortages due to error, omissio or depreciatio i value; 9 ay property more specifically isured or recoverable uder ay other source; or 10 aythig metioed i the Geeral Exclusios.

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