POLICY SUMMARY. INSURER This insurance is underwritten by AmTrust Europe Limited.

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1 POLICY SUMMARY This Policy Summary is to help you understand the insurance that Your Policy provides. It details the key features, benefits, limitations, and exclusions, but you still need to read the Policy Wording for a full description of the terms of the insurance, including the policy definitions, together with the Schedule, and any endorsements, applying to your policy. The levels of cover and excesses which apply to your insurance are detailed in the Schedule of Benefits. Important Features of Your Travel Insurance are detailed on page 3 of Your Policy Wording. This Policy Summary does not form part of the Policy Wording. INSURER This insurance is underwritten by AmTrust Europe Limited. PURPOSE OF THIS INSURANCE To provide financial protection and emergency assistance for your trip(s). PERIOD OF COVER As stated on your Schedule. Page 1 of 5 Holiday Angel Policy Summary_JT

2 SCHEDULE OF BENEFITS SECTION BRONZE SILVER GOLD Max Sum Insured Excess Max Sum Insured Excess Max Sum Insured Excess 1 Cancellation Up to 800 Up to 1,750 Up to 3,500 2 Curtailment Up to 800 Up to 1,750 Up to 3,500 3 Medical Expenses Emergency Repatriation Up to 5,000,000 Up to 10,000,000 Up to 10,000,000 Dental Expenses Up to Up to Hospital Benefit 15 per day up to 25 per day up to per day up to 0 5 Personal Effects and Baggage Valuables Limit Delayed Baggage Up to 0 Up to 1, per 12 hours up to Up to per 12 hours up to Money & Cash Cash Limit Cash Limit if under 18 Up to 300 Up to Loss of Passport Up to Up to 0 8 Travel Delay Holiday Abandonment per 12 hours up to per 12 hours up to 300 Up to 3,500 after 24 hour delay 9 Missed Departure Up to 0 10 Personal Accident Permanent Total Disablement (aged 17 to 75) Permanent Total Disablement (aged under 17 or over 75) Loss of Limb(s)/Eye(s) (aged 17 to 75) Loss of Limb(s)/Eye(s) (aged under 17 or over 75) 5,000 10,000 20,000 5,000 10,000 20,000 Death (aged 17 to 75) 5,000 10,000 10,000 Death (aged under 17 or over 75) 11 Personal Liability Up to 1,000,000 Up to 1,000,000 Up to 1,000, Legal Expenses Up to 5,000 Up to 10,000 Up to 15,000 EXTENSIONS OF COVER - The following additional cover options are only available when the appropriate premium has been paid 13 Travel Dispute 25, , , End Supplier Failure 1,500 1,500 1,500 Wintersports coverage 15 Winter Sports Ski Equipment - owned Ski Equipment - hired Ski Hire Delayed Ski Equipment Ski Pack Piste Closure 300 owned 15 per day up to 15 per day up to 10 per day up to 750 owned hired 35 per day up to per day up to 350 1,250 owned 0 0 hired 300 per day up to 0 per day up to 0 40 per day up to 400 Page 2 of 5 Holiday Angel Policy Summary_JT

3 Golf coverage 16 Golf Equipment Up to 1,500 Up to 1,500 Up to 1,500 Golf Equipment Hire Non-refundable Golfing Fees Hole in one Business Equipment 17 Business Equipment Up to 1,000 Up to 1,000 Up to 1, Computer Equipment single and total item limit 1,000 1,000 1,000 Samples Delayed Business Equipment up to 200 up to 200 Emergency courier of essential business equipment up to 200 up to 200 Business Equipment Hire per day up to 0 per day up to 0 per day up to 0 Business Money Up to 1,000 Up to 1,000 Up to 1,000 Cash Limit Additional Personal Accident 5,000 10,000 20,000 PRINCIPAL EXCLUSIONS AND LIMITATIONS POLICY REFERENCE Medical Health Requirements Restrictions in cover apply if a claim is made relating to a medical condition, illness, or injury of the Insured Person(s), or any person who your travel depends on, which you or they knew about before you bought this insurance, or which develops before the travel to which this insurance applies begins. It is very important that you refer to these details on page 5-6 of the Policy Wording. Health and Pre-Existing Medical Conditions Page 5-6 Sports and Activities You are not covered for taking part in any sports or activities unless you have paid the appropriate premium and it is listed in the policy wording. If you are going to take part in any activity which may be considered dangerous or hazardous that is not detailed within the policy wording, please contact the selling agent who will contact us to see if we can provide cover. Please note that under Section Personal Liability you will not be covered for liability caused directly or indirectly by your owning or using any firearms or weapons, animal, aircraft, motorised vehicle, boat and other watercraft, or any form of motorised leisure equipment, including jet skis and snowmobiles. Sports and Activities Pages 9-11 General Exclusions Pages Personal Property & Personal Money Cover is provided for loss, damage, or theft of your Personal Property, including Personal Money and Loss of Documents. We may, however, take off an amount for wear and tear when settling a claim, depending on the age and condition of the property. Cover is only provided up to maximum amounts for individual items, valuable items, and cash within the overall limit. The Policy Wording provides full details of these limits. Personal Money & Loss of Passport Page 14 Page 3 of 5 Holiday Angel Policy Summary_JT

4 Excesses Certain sections of cover are subject to an Excess applying to each claim. An Excess means that you are responsible for the first sum per person per claim, per section when you claim. The amount of any Excess is detailed in the Schedule of Benefits and under the Sections to which an Excess applies. Duration of Cover All Trips must start and end from the United Kingdom and the policy must cover the whole duration of the Trip and cannot be effected once travel has commenced. Under an Annual Multi-Trip Policy, a maximum duration of any one Trip applies. The limit, including the limit for Winter Sports cover (if applicable) is stated in the Policy Wording Important Features of your Travel Insurance: Page 4 If You change Your mind If, having examined Your Policy Wording, you decide the insurance does not meet your needs, you can cancel the insurance within 14 days from the date you receive the Policy Wording and we will refund the premium provided you have not taken a Trip to which the insurance applies and you have not made a claim. Important Features of Your Travel Insurance: Page 4 MAKING A CLAIM If you wish to make a claim, please telephone the appropriate number(s) below:- If you have a medical or non-medical emergency during your Trip, please call Intana Assist on +44 (0) and quote your policy number. For all other claims, please contact Claims Settlement Agencies on and quote your policy number. YOUR RIGHT TO COMPLAIN We are dedicated to providing you with a high quality service and want to ensure that this is maintained at all times. If you feel that we or another party connected with this Policy have not offered a first class service please write and tell them and they will do their best to resolve the problem. Claims In respect of any questions or concerns about the handling of a claim you should put your question or concern to: Claims Settlement Agencies London Road Hadleigh Benfleet Essex SS7 2DD Telephone: info@csal.co.uk Sales If your complaint is about the way this Policy was sold, you should refer to your insurance intermediary who sold this Policy, their details should be available on correspondence they have sent you. Page 4 of 5 Holiday Angel Policy Summary_JT

5 Administration If your complaint is about the way the Policy is administered you should put your question or concern to: Just Travel Insurance Victoria House Toward Road Sunderland Tyne & Wear SR1 2QF Telephone: You will be contacted within five days of receiving your complaint to inform you of what action we are taking. We will try to resolve the problem and give you an answer within four weeks. If it will take longer than four weeks we will tell you when you can expect an answer. If you have not been given an answer within eight weeks we will tell you how you can take your complaint to the Financial Ombudsman Service for review. This complaints procedure does not affect any legal right you have to take action. Once you have received your final response from us, and if you are still not satisfied you can contact the Financial Ombudsman Service: Financial Ombudsman Service Exchange Tower, London, E14 9SR. Telephone: or THE FINANCIAL SERVICES COMPENSATION SCHEME This provides compensation in case any of its members go out of business or into liquidation and are unable to meet any valid claims under its policies. Further information can be obtained from the Financial Services Compensation Scheme (10th Floor, Beaufort House, 15 Botolph Street, London, EC3A 7QU) by phone on or and on their website at Page 5 of 5 Holiday Angel Policy Summary_JT