Overseas Holiday Insurance

Transcription

1 ISSUE 15P Overseas Holiday Insurance Red Pennant Personal Cover Single-trip, Annual multi-trip

2 Travel Insurance Important Information Your travel insurers, under the Association of British Insurers General Business Code of Practice, have to bring to your attention some of the important features of your travel insurance policy: INSURANCE POLICY: This contains full details of the cover provided plus the conditions and exclusions which apply to it.you must read the insurance policy carefully. CONDITIONS AND EXCLUSIONS: There are conditions and exclusions which apply to individual sections and general conditions and exclusions which apply to the whole policy. DATE CHANGE EXCLUSION: Changes in dates, and particularly the change of century, could see widespread failures of computer and other systems containing computer chips, which depend on date related information in order to work properly. Certain sections of your policy (refer to General Exclusions) exclude anything directly or indirectly caused by failure of any computer hardware or software or other electrical equipment to recognise or process any date as the true calendar date. FRAUDULENT CLAIMS: The making of a fraudulent claim is a criminal offence. MEDICAL EXPENSES: Please note this section does not provide private health care unless specifically approved by The Caravan Club s Emergency Service. HEALTH: The policy contains conditions relating to the health of the people travelling and others upon whose well being the trip may depend. It may be that you are required to disclose the condition of such people prior to cover being issued and you must be aware that failure to disclose such matters will prejudice your position. In certain instances a telephone help line is available. Please do use this service to ensure you are fully protected. (See pages 5 & 6) PROPERTY CLAIMS: These are settled on an indemnity basis- not on a new for old or replacement cost basis, unless otherwise stated in the policy. POLICY LIMITS: Most sections of the policy have limits on the amount the insurer will pay under that section. Some sections also include inner limits eg: for one item, or valuables in total. POLICY EXCESSES: Claims under some sections of the policy will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of a claim. REASONABLE CARE: You are required to take all reasonable care to protect yourself and your property and to act as though you are not insured. COMPLAINTS: The insurance policy includes a Complaints Procedure which tells you what steps you can take if you wish to make a complaint. COOLING OFF PERIOD: The policy contains a cooling off period which allows you to return the policy and obtain a full refund if you have a reason to be dissatisfied with the cover provided. Please refer to Money Back Guarantee. SPORTS AND ACTIVITIES: The policy may not cover you when you take part in certain sports and activities. Please refer to pages 11 & 12. GOVERNING LAW: Your policy is governed by the law applicable to where you reside within the United Kingdom or Republic of Ireland. DATA PROTECTION: You should understand and give explicit consent that the sensitive health and other information you provide about yourself and others in your party will be used by Astrenska as Underwriting Agents for Ageas Insurance Limited, its associated companies, other insurers, regulators, industry bodies and agencies to process your insurance, handle claims and prevent fraud. This may involve the transfer of such information to other countries (including those with limited or no data protection laws).

3 Contents Page Introduction Summary of Policy Cover Limits Service Standards Contract of Insurance Personal Policy Cover Medical Important Conditions Geographical Limits EHIC Important Notes Definitions & 10 Sports and Activities Description of Cover General Exclusions General Conditions How to make a Claim & 31 How to obtain Help and Assistance Inside Back Cover Useful Telephone Numbers CARAVAN CLUB - POLICY ADMINISTRATION CLAIMS ONLY

4 Introduction Dear Member Thank you for taking out Red Pennant Insurance. The cover has been designed using The Club s experience of over 40 years of helping Members whilst abroad and I am sure that you will be satisfied with the protection provided. This booklet together with the schedule, forms the whole Insurance Contract and should be kept for future reference. You must read the booklet and Schedule/confirmation invoice to make sure that you understand and comply with all the terms, conditions and exclusions. Please check that the details shown on the schedule/confirmation invoice are correct and in the event that alteration is required please telephone The Club on The Club handles the general administration of the Red Pennant Service from its Headquarters in East Grinstead, it issues all documentation, handles alterations, renewals and Members general enquiries. The premium charged includes an administration fee which is used to cover Club expenses and any resultant surplus will be used for the benefit of Members. Accidents and losses will inevitably occur and the claims handlers aim to provide fast, fair and friendly claims settlement. Details of the claims procedure can be found on pages 30 & 31. Finally this booklet is written so that it is easy to understand, but if you have any questions about the cover, we will be pleased to assist. Yours sincerely Nick Lomas Director General 1

5 Summary of Policy Cover Limits Limits of Personal Cover Policy (per person) Section Cover Limit 1 Cancellation* up to 3,000 2 Curtailment* up to 3,000 3 Travel delay* up to Missed departure up to Personal Accident up to 20,000 6 Medical Emergency Expenses* up to 5,000,000 7 Hospital Benefit up to Personal Property* up to 1,500 Single Article Limit 250 Valuables Limit Loss of Passport up to Personal Liability up to 2,000, Hijack up to 1, Mugging Benefit up to 1,000 13a Ski Equipment* up to b Ski Hire up to Ski Pack* up to Piste Closure (1 December-31 May only) up to Emergency Telephone Calls up to Legal Expenses up to 25, Unauthorised occupation of UK home by squatters up to 5,000 * EXCESS OF 40 APPLIES 2

6 Service Standards COMPLAINTS PROCEDURE We are committed to treating our members fairly. However, we realise that there may be times when things go wrong. If this happens, please use the most suitable contact from the following list. Please tell us your name and your claim number or policy number and the reason for your complaint. We may record phone calls. For complaints about the servicing of your policy or The Club s Emergency Services you should contact: The Director General The Caravan Club East Grinstead House East Grinstead West Sussex RH19 1UA Phone: For complaints about claims (except claims under Section 17 Legal Expenses), you should contact: The Claims Director Intana Sussex House Perrymount Road Haywards Heath West Sussex. RH16 1DN Phone: quality@intana-assist.com If you have any other type of complaint please refer to the Terms of Business enclosed with your policy or renewal. Financial Ombudsman Service If you are not happy with our final decision, you may be able to pass your complaint to the Financial Ombudsman Service (FOS). The FOS is an independent organisation and will review your case. Their address is: The Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR Phone: if calling from a landline or if calling from a mobile You can visit the Financial Ombudsman Service website at If you take any of the action mentioned above, it will not affect your right to take legal action. 3

7 Red Pennant Personal Cover This Policy Wording is to confirm that those persons who have paid the required premium are insured under the Master Policy No. OPT/15/01/0015 issued by the Insurer, Astrenska as Underwriting Agents for Ageas Insurance Limited. Ageas Insurance Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Astrenska is a trading name of Collinson Insurance Services Limited, Registered number: , Registered in England & Wales; Registered Office: Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU. Collinson Insurance Services Limited s parent company is The Collinson Group Limited; Registered number: ; Registered in England & Wales; Registered Office: Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU. Collinson Insurance Services Limited is authorised and regulated by the Financial Conduct Authority. Ageas Insurance Company Limited, Registered in England: No , are members of the Association of British Insurers. This document gives the full terms, exceptions and conditions of the policy. Your policy is governed by the law applicable to where you reside within the United Kingdom or the Republic of Ireland. The policy wording, including any endorsement issued by us, constitutes a contract between you and us and is made up of the schedule and this policy document, which together forms the contract of insurance, and is based upon the information that you provided during your application. We ask you to read the wording to make sure that you have the insurance protection you want and are expecting. 4

8 Personal Cover PERIOD OF INSURANCE Cancellation cover for Single-trip policies applies as soon as the premium has been paid and accepted. For Annual multi-trip policies all cover starts from the commencement of the Period of Cover shown on the policy schedule. The remaining covers apply for the duration of the booked trip (or earlier return to the United Kingdom or the Republic of Ireland) and are effective from the time of departure from your home and cease on your return to home provided the periods set out in Important Notes 7 on page 8 are not exceeded. If your return is unavoidably delayed for an insured reason, cover will be extended free of charge for the period of that delay. MONEY BACK GUARANTEE The Club will refund your premium payment in full provided you return the insurance documents to The Club within 14 days of receipt together with your cancellation instructions prior to your departure on any trip covered by the policy. No refund of premium will be given after this date. If the policy is cancelled under this Guarantee no claims can be made. NON TRAVELLING RELATIVES You may have an immediate relative with a medical condition who is not travelling with you. In some cases, if their state of health deteriorates greatly, you may want to cancel or curtail your journey. Subject to all the other terms and conditions, such claims are covered if the relative s doctor is prepared to state that at the date you bought this policy, he/she would have seen no substantial likelihood of his/her patient s condition deteriorating to such a degree that this would become necessary. If the doctor will not confirm this, your claim is not covered. 5

9 MEDICAL IMPORTANT CONDITIONS Relating to Section 1 - Cancellation, Section 2 - Curtailment, Section 6 - Medical Emergency Expenses and Section 7 - Hospital Benefit To be covered under this policy you must be healthy and fit to undertake your planned trip (for Non travelling relatives please see page 5 of this policy). This policy will not cover you if you are travelling against medical advice or with the intention of obtaining medical treatment or consultation abroad. You must contact The Caravan Club administration team immediately if any of the questions below apply to you, anyone else who is to be insured or a travelling companion. The following applies at the date of taking out this policy or booking your trip (whichever is the later) or any time between taking out this insurance and the start date of your trip: It is essential that you answer these questions accurately: Other than routine reviews is anyone awaiting any new treatment (including surgery), specialist referral, investigations or results of any tests? Has anyone been discharged from any post-operative procedure (admission or day case) within the last 3 months? Other than routine annual checks, has anyone received any treatment (including medication) for any cancerous condition within the last 6 months except tamoxifen or similar (hormone treatment) in breast and prostate cancer? Has anyone had any changes to their medication in the last 2 weeks? (this includes ceasing, commencing or changing dose) If anyone is taking warfarin currently, are their INR levels (blood tests) being reviewed more often than every 4 weeks? Currently, has anyone been prescribed any morphine, MST or fentanyl patches to be used at home? Currently is anyone under review or referral for any psychotic mental illness or had any hospital admission for anxiety, depression or any psychotic mental illness within the last 12 months? NO If the answer is Yes to any of the questions shown to the left, then you must notify The Club s administration department. Cover may be provided subject to acceptance by us and an additional premium may be requested to cover the condition. If the answer is No to ALL the questions shown above, then there is no need to advise us of your condition, provided you are healthy and fit to undertake your planned trip and you are not travelling against medical advice or with the intention of obtaining medical treatment or consultation abroad. YES You must advise The Club s administration department if any of the above questions apply between taking out this insurance and booking your trip or the date of travel. Failure to do so may result in your claim being refused. 6

10 TRAVELLING WHEN PREGNANT Pregnancy is not a medical condition, so you are able to travel until you are quite late into your pregnancy. Airlines and ferry/shipping companies including cruise liners have their own restrictions due to health and safety requirements. You should check with them or any other mode of transport you propose to take before you book. Please make sure that your Doctor and Midwife are aware of your travel plans, that there are no known complications and that you are not travelling against any medical advice. By Air After 28 weeks most airlines will require a letter from your Doctor or Midwife confirming your estimated date of delivery and stating that there are no complications. You may travel, but your travel must be completed by 36 weeks and 6 days for single uncomplicated pregnancies and 32 weeks and 6 days for multiple uncomplicated pregnancies. By Sea Ferry companies and Cruise liners have their own restrictions and may refuse heavily pregnant woman beyond 32 weeks. By Car, Coach and Train There are no known restrictions. Please make sure your Doctor or Midwife are aware of your travel plans and that there are no known complications. Geographical Limits UNITED KINGDOM EUROPE including Republic of Ireland and Countries bordering the Mediterranean, Madeira, Commonwealth of Independent States (west of the Ural Mountains) and the Canary Islands. EUROPEAN HEALTH INSURANCE CARD (EHIC) If you are a UK resident you are entitled to medical treatment which becomes necessary when temporarily visiting a European Union (EU) country, Switzerland, Iceland, Liechtenstein or Norway free of charge or at a reduced cost by using the European Health Insurance Card (EHIC). You can apply for an EHIC for your spouse/partner and any children up to the age of 16 (19 if they are in full time education) at the same time as applying for your own. Apply via the website at or by telephoning You will need to have the following information for everyone you are applying for: Name and date of birth NHS or national insurance (NI) number If you use the EHIC the exclusion of the first 40 of each and every claim under Section 6 - Medical and Emergency Expenses will not apply. 7

11 Important Notes 1) This policy is only available to persons permanently resident in the United Kingdom or the Republic of Ireland. 2) This policy is only valid for trips commencing in and returning to the United Kingdom or the Republic of Ireland. 3) This policy is not valid for trips taken solely within the United Kingdom unless your home is in the Republic of Ireland nor for trips in the Republic of Ireland unless your home is situated in the United Kingdom. 4) Cover is only available for the whole duration of a booked trip. Cover cannot be effected once a journey has commenced. 5) Under some sections there is an amount deducted (an excess) per incident, which applies to each insured person involved in an incident, as do the sums insured under each section. 6) If your money, valuables or any items of personal baggage, are lost or stolen, you must notify the local police within 48 hours of discovery. Please make sure you get a copy of the Police Report. Failure to comply will result in your claim being turned down. 7) The maximum duration of any one trip is 24 days for single trip policies (unless the appropriate additional premium has been paid to extend the duration of any one trip to 183 days) and 31 days for annual multi-trip policies (unless the appropriate additional premium has been paid to extend the duration of any one trip to 66 days). Winter Sports cover is limited to 17 days per policy year. 8) If you have chosen an Annual Multi-Trip Insurance the outward and return Journey must take place during the start and end date shown on your Policy schedule. The total duration of any one trip is limited to a maximum of 31 days or as otherwise shown on your Policy Schedule and any trip exceeding this duration will not be covered in whole or in part. 9) Family cover applies to you and your husband/wife or Common Law Partner/Civil Partner both permanently living together at the same address plus up to three unmarried dependent children or grandchildren of either of you, under the age of 18 years, in full time education. Adults travelling under this policy may travel independently. Your unmarried dependent children and grandchildren are only covered when travelling with an adult insured under this policy. 10) Winter sports cover is only available if you are under the age of 65 years. 11) Children under the age of 4 are insured free of charge as long as they travel with an adult insured under this policy. 8

12 Definitions Wherever the following words and phrases appear in this policy they will always have these meanings:- Baggage Close Business Associate Common Law Partner/ Civil Partner Curtail/Curtailment Hijack Home Immediate Relative Industrial Action Loss of Limb Loss of Sight Medical Practitioner Money Mugging Your suitcases (or similar luggage carriers) and their contents usually taken on a trip, together with articles worn or carried by you for your individual use during your trip. Any person whose absence from business for one or more complete days at the same time as your absence prevents the effective continuation of that business. The person living with the insured person as husband or wife, including same sex partner, for at least six consecutive months prior to the date of application and living at the same address. Return early to home in the United Kingdom or the Republic of Ireland or the period you are hospitalised as an in-patient abroad. The unlawful seizure or wrongful exercise of control of an aircraft or conveyance in which you are travelling as a passenger. Your residential address in the United Kingdom or the Republic of Ireland. Mother, father, sister, brother, wife, husband, Common Law Partner/Civil Partner, son, daughter, (including fostered/adopted son or daughter), grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister, or legal guardian. Any form of action taken by workers, which is carried on with the intention of preventing, restricting or otherwise interfering with the production of goods or the provision of services. Physical, permanent and total loss of use at or above the wrist or ankle. The complete and permanent loss of sight in at least one eye. A registered practising member of the medical profession who is not related to you or to any person you are travelling with, or intending to stay with. Cash, postal and money orders, travel tickets, lift passes (in respect of winter sports trips), passports, petrol coupons, camping cheques and green cards held by you for social, domestic and pleasure purposes. A violent attack on you by person(s) not previously known to you. 9

13 Party Permanent Total Disablement Personal Accident Public Transport Redundancy Ski Equipment Ski Pack Squatter The Club United Kingdom Valuables We/Us/Our You/Your All persons named on the Policy Schedule/ Confirmation Invoice. Disablement which has lasted for 52 consecutive weeks and will in expert medical opinion, prevent you from ever engaging in any gainful employment for the remainder of your life. Accidental bodily injury caused solely and directly by outward violent and visible means. Any fare paying passenger on the following regular scheduled forms of transport: Train, Coach, Taxi, Bus, Aircraft and Sea Vessel. Any person being declared redundant, who is under the normal retiring age for someone holding that person s position, and who has been employed for 2 continuous years with the same employer at the time of being made redundant. Skis (including bindings), ski boots, ski poles and snowboards. Pre-booked lift passes, hired skis & boots & ski school fees. Any person who has unlawfully obtained unauthorized entry to your home in your absence during your holiday. The Caravan Club. England, Scotland, Wales, Northern Ireland, the Isle of Man and Channel Islands. Watches, furs, jewellery, photographic, audio, video or electrical equipment of any kind, camcorders and accessories, all photographic/digital/optical/audio and video media including ipods/ipod touch/mp3/4 players or similar and/or accessories, ebook readers, satellite navigation systems (GPS), telescopes and binoculars Astrenska as Underwriting Agents for Ageas Insurance Limited. Each insured person. 10

14 Sports and Activities We will not pay any claim directly or indirectly resulting from participation in certain activities, professional or organised sports, racing, speed or endurance tests. Where cover for sports and activities is provided, it is on the basis that you are participating on a recreational and non-professional basis. Any participation in sports or activities is subject to your compliance with local laws and regulations and the use of recommended safety equipment (such as helmet, harness, knee and/or elbow pads). Sports and activities covered Participation in the following activities is covered at no additional premium and without the need for prior declaration. Cover is provided whilst participating in these sports and activities under all sections of the policy except the Personal Property section (unless otherwise agreed). Banana Boating, Beach games, Camel/Elephant Riding, Climbing (on climbing wall only), flying as a passenger in an aircraft (private plane, small aircraft, glider or helicopter), Football/Soccer, Fruit or vegetable picking (under 3metres), Golf, Gym- Fitness, Hiking/Fell Walking/Rambling/Trekking (below 4,000 metres), Hot air ballooning, Hydro zorbing, Ice-skating (rink only), Martial arts (non-contact training only), Parascending/Parasailing (over water), Pony trekking, Roller skating/blading/inline Skating (no stunts), Safari (not involving use of firearms), Scuba diving down to 30 meters (provided diving with a registered instructor), Sledging/Sleigh riding(as a passenger only, pulled by horse, reindeer or dogs), Snorkeling, Swimming (in a pool, inland waters or coastal waters within 12 miles from land), Trampolining, Tree top trekking, Trekking/Hiking/Walking (below 4,000 meters altitude), Tubing/Ringos, Zorbing. Sports and activities covered excluding cover under Section 5 Personal Accident Participation in the following activities is covered at no additional premium and without the need for prior declaration. Cover is provided whilst participating in these sports and activities under all sections of the policy except the Personal Property section (unless otherwise agreed) and the Personal Accident section: Bungee jump, Skydiving (one jump and tandem only), Wind tunnel flying. Sports and activities covered excluding cover under section 10 Personal Liability Participation in the following activities is covered at no additional premium and without the need for prior declaration. Cover is provided whilst participating in these sports and activities under all sections of the policy except the Personal Property section (unless otherwise agreed) and the Personal Liability section: Aerobics/Pilates/Yoga, Archery, Body boarding/boogie boarding (only on inland waters or coastal waters within a 12 mile limit from land), Cycling (excluding BMX and 11

15 mountain biking), Dinghy/Hobie Cat sailing (only on inland waters or coastal waters within 12 miles from land), Go karting, Horse riding (maximum 7 days, no polo, hunting or jumping), Jet skiing, Paintballing, Rafting/Canoeing/Kayaking (including white water up to grade 3 and in coastal waters within 12 miles from land), Sailing (including Yachting and catamaran, within European waters, no racing), Surfing, Water skiing (only on inland waters or coastal waters within 12 miles from land, no jumping), Windsurfing/Board sailing (only on inland waters or coastal waters within 12 miles from land. Winter sports activities If you are under the age of 65 years you will be covered for skiing and snowboarding as well as the following winter sports activities: Big foot skiing, Cross country skiing (recognised paths), Glacier skiing, Heli-skiing/- boarding, Langlauf, Mono-skiing, Off-piste skiing (with a professional guide on designated pistes within the resort), Ski touring, Sledging, Snow shoeing, Snowcat skiing, Tobogganing. Please also refer to Important Notes 7) and 10) for age and trip duration restrictions regarding winter sports trips. Sports and activities not covered We may be able to offer cover for other sports and activities which are not listed. If you plan to participate in a sport or activity that does not appear in the lists above, you should contact the The Club for advice. If you do not tell us about your planned sport or activity we may not pay any claims arising from your participation. 12

16 Description of Cover SECTION 1 - CANCELLATION YOU ARE COVERED Up to 3,000 (including non-refundable camping cheques) if your travel and accommodation arrangements are cancelled before your departure from the United Kingdom or the Republic of Ireland (including ski hire, ski school and lift passes for winter sports), which have not been used and which you have paid for or contracted to pay for, providing the cancellation is necessary and unavoidable (and is not a result of mere disinclination to commence your trip as arranged) due to- 1) the death or disablement by bodily injury, illness, pregnancy or being subject to quarantine of (a) you, (b) any person you are intending to travel or stay with, (c) an immediate relative of yours or of any person you are intending to travel with or (d) a close business associate of yours; 2) you being called for jury service or as a witness (but not as an expert witness or where your employment would normally require you to attend court) in a Court of Law; 3) your redundancy or the redundancy of any person you are intending to travel with, provided that we are informed in writing immediately notification of redundancy is received and that you were not aware of any impending redundancy at the time this policy was issued; 4) your home being made uninhabitable up to 14 days before the commencement of your trip, due to fire, lightning, explosion, earthquake, subsidence, storm, flood, falling trees, riot or civil commotion, malicious damage, burst pipes, impact by aircraft, the police requesting your presence following burglary or attempted burglary at your home. YOU ARE NOT COVERED FOR 1) claims where a medical certificate has not been obtained from a medical practitioner, confirming that cancellation of the trip is medically necessary; 2) the first 40 of each and every incident per each insured person involved in the incident ( 10 for the loss of deposit claims only); 3) anything caused directly or indirectly by:- a) any increased charges which may arise due to failure to notify your travel agent or tour operator immediately it is found necessary to cancel; b) prohibitive regulations by the Government of any country; 4) camping cheques if the original non-refundable camping cheques are not returned to us; 5) claims arising from pregnancy where, at the point of checking in for or boarding your flight, you fail to provide the airline with a letter from your Medical Practitioner or midwife confirming the estimated date of delivery, that there are no complications and you are fit to fly; 13

17 6) you undertaking a trip if at the start of your trip or on your return date, you are more than 36 weeks and 6 days pregnant for a single pregnancy, or more than 32 weeks and 6 days for a multiple pregnancy; 7) the cost of any visa required in connection with your trip; 8) Avios points, Loyalty card vouchers or points or Timeshare points; 9) the exclusions set out in the MEDICAL - IMPORTANT CONDITIONS on pages 5 and 6 related to Pre-existing medical conditions, or anything mentioned in the GENERAL CONDITIONS and GENERAL EXCLUSIONS. SECTION 2 - CURTAILMENT Curtailment is only applicable if you return to the United Kingdom or the Republic of Ireland earlier than planned. This section includes the services of The Caravan Club Emergency Service (details shown on Inside Back Cover) who must be contacted immediately in the event of a serious injury, illness or hospitalisation, where repatriation has to be considered. YOU ARE COVERED Up to 3,000 for:- 1) The value of the portion of your travel and/or accommodation arrangements which have not been used and which were paid for before your departure from the United Kingdom or the Republic of Ireland (including ski hire, ski school and lift passes, which do not have to be paid for before your departure from the United Kingdom or the Republic of Ireland, in respect of winter sports trips), if you, and where appropriate a companion covered by this policy, have to curtail your trip and return to your home earlier than planned due to:- a) the death, severe injury or serious illness of:- i) you or any person you are travelling with; ii) an immediate relative of yours resident in the United Kingdom or the Republic of Ireland; iii) a close business associate of yours resident in the United Kingdom or the Republic of Ireland. b) your home being made uninhabitable due to fire, lightning, explosion, earthquake, subsidence, storm, flood, falling trees, riot or civil commotion, malicious damage, burst pipes, impact by aircraft, the police requesting your presence following burglary or attempted burglary at your home. The proportionate value of costs will be calculated from the date of return to the United Kingdom or the Republic of Ireland. 2) Reasonable additional travelling expenses incurred by you for returning to the United Kingdom or the Republic of Ireland (Economy Class) earlier than planned for a reason stated in benefit 1) of this section. 14

18 YOU ARE NOT COVERED FOR 1) the first 40 of each and every incident per each insured person involved in the incident; 2) claims that are not confirmed as medically necessary by The Caravan Club Emergency Service, and where a medical certificate has not been obtained from the attending medical practitioner abroad confirming it necessary to curtail the trip; 3) additional travelling expenses incurred which are not authorised either by us or The Caravan Club Emergency Service, as detailed on Inside Back Cover; 4) You undertaking a trip if at the start of your trip or on your return date, you are more than 36 weeks and 6 days pregnant for a single pregnancy, or more than 32 weeks and 6 days for a multiple pregnancy; 5) the cost of any visa required in connection with your trip; 6) Avios points, Loyalty card vouchers or points or Timeshare points; 7) the exclusions set out in the MEDICAL - IMPORTANT CONDITIONS on pages 5 and 6 relating to Pre-existing medical conditions, or anything mentioned in the GENERAL CONDITIONS and GENERAL EXCLUSIONS. NOTE - It is a requirement of this insurance that you contact The Caravan Club Emergency Service immediately if you wish to return home for any reasons listed under this section or by any method other than as originally planned. Failure to do so will affect your claim. SECTION 3 - TRAVEL DELAY This section does not apply to trips within the United Kingdom or the Republic of Ireland (except for trips to the Channel Islands). YOU ARE COVERED 1) For a benefit of 20 for the first full 12 hours you are delayed and 10 for each full 12 hours you are delayed after that, up to a maximum of 100 (regardless of the number of incidents of delay) or 2) Up to the amount under the cancellation section of this policy (less 40 excess) if you abandon the trip after the first full 12 hours, if your outward and return flights, sea crossing or train departure to or from the United Kingdom or the Republic of Ireland are delayed for more than 12 hours beyond the intended departure time (as specified on your travel ticket) as a result of :- a) strike or industrial action (provided that when this policy was taken out, there was no reasonable expectation that the trip would be affected by such cause); b) adverse weather conditions provided that they are the underlying and continuing cause; c) mechanical breakdown or technical fault of the aircraft, train or sea vessel. 15

19 YOU ARE NOT COVERED 1) if you do not check-in for the flights, sea crossing or train departure before the intended departure time; 2) if you do not obtain written confirmation from the airline, shipping, coach or train company stating the period and the reason for the delay; 3) for any claims arising from withdrawal from service temporarily or otherwise of the aircraft, coach, train or sea vessel on the orders or recommendation of the Civil Aviation Authority or a Port Authority or similar body in any Country; 4) for the first 40 of each and every incident per each insured person involved in the incident (this is only applicable if you abandon the trip); 5) for anything mentioned in the General Exclusions. (see pages 27-29) Note - This section only applies to delays at your final international departure point to or from the United Kingdom. SECTION 4 - MISSED DEPARTURE This section does not apply to trips within the United Kingdom or the Republic of Ireland (except for trips to the Channel Islands). YOU ARE COVERED Up to 400 for necessary hotel and travelling expenses incurred in reaching your booked destination, if the car you are travelling in breaks down or is involved in an accident or you being delayed as a result of a major incident on a motorway, or the public transport being used is delayed, resulting in you arriving too late to commence your booked journey from or to the United Kingdom or the Republic of Ireland. YOU ARE NOT COVERED 1) if sufficient time has not been allowed for your journey in order to meet the check-in time specified by the transport provider or agent; 2) if you are not proceeding directly to the departure point; 3) unless you get a letter from the public transport provider confirming that the service did not run on time; 4) unless you get confirmation of the delay from the authority who went to the accident or breakdown affecting the car you were travelling in; 5) unless you obtain confirmation from the police or motoring authorities (e.g Highways Agency) to confirm a major incident on a motorway causing delays or closure on the motorway; 6) for any delay caused by riot, civil commotion, strike or industrial action which began or was announced before the start date of your policy and the date your travel tickets or confirmation of booking were issued; 7) for anything mentioned in the General Exclusions. (see pages 27-29) 16

20 SECTION 5 - PERSONAL ACCIDENT YOU ARE COVERED FOR The following benefits, which will be paid to you or your legal personal representative, if you have a personal accident during your trip which, at the end of 12 months of that accident, is the sole cause of your consequent death or disability:- 1) Death - 10,000 2) Loss of limbs, total and irrecoverable loss of sight in one or both eyes or permanent total disablement - 20,000. NOTE - If you are aged under 16 or over 70 at the time of the accident the death benefit will be limited to funeral and other expenses up to 1,000 and the permanent total disablement benefit will not apply. YOU ARE NOT COVERED FOR Any claims for death, loss or disablement caused directly or indirectly by:- 1) a disease or any physical defect or illness; 2) an injury which existed prior to the commencement of the trip; 3) pregnancy; 4) any claims under this section not notified to us within 12 months of the date of the accident; 5) anything mentioned in the General Exclusions. (see pages 27-29) SECTION 6 - MEDICAL EMERGENCY EXPENSES This section does not provide the same extent of cover as Private Health Insurance. It does cover the use of private medical facilities outside of the United Kingdom where this is medically necessary. Before a claim for emergency expenses can be submitted under this section, you must contact The Caravan Club Emergency Service (details shown under How To Obtain Help and Advice on Inside Back Cover.) This section applies to trips: a) outside the United Kingdom or Republic of Ireland if this is your usual country of residence. b) by a Channel Islands resident to other parts of the United Kingdom c) by other United Kingdom residents to the Channel Islands Cover does not apply otherwise to trips within the United Kingdom If during your trip you become ill or are injured: YOU ARE COVERED Up to 5,000,000 incurred outside the United Kingdom (or the Republic of Ireland):- 1) for emergency medical and surgical treatment. Claims for emergency dental treatment (for the relief of pain only) shall be limited to 350; 2) for reasonable and necessary additional accommodation (room only) and travelling expenses (Economy Class), including those of one relative or friend if 17

21 you have to be accompanied home on medical advice or if you are a child and require an escort home; 3) in the event of death:- a) for conveyance of the body or ashes to the United Kingdom or the Republic of Ireland (the cost of burial or cremation is not included) or; b) local funeral expenses abroad limited to 2,000; NOTE - All receipts must be retained and produced in the event of a claim. Your claim may be rejected if receipts are not produced. If you become ill or are injured we have the right to bring you back home, if the treating Doctor and The Caravan Club Medical Advisors agree that you can safely travel home. If the treating Medical Practitioner does not agree you can safely travel home he/she must produce medical evidence. If you refuse to return home, we have the right to stop cover. YOU ARE NOT COVERED 1) FOR THE FIRST 40 of each and every incident per each insured person involved in the incident. This will not apply where you use the EUROPEAN HEALTH INSURANCE CARD (EHIC). 2) for any sums which can be recovered by you and which are covered under any National Insurance Scheme or Reciprocal Health Arrangement; 3) for any expenses incurred for illness, injury or treatment required as a result of:- a) surgery or medical treatment which in the opinion of the attending doctor and The Caravan Club s Medical Advisors can be reasonably delayed until your return to the United Kingdom or the Republic of Ireland; b) Medication and/or treatment which at the time of departure is known to be required or continued outside the United Kingdom or Republic of Ireland; 4) for preventative treatment which can be delayed until your return to the United Kingdom or the Republic of Ireland; 5) if you have not obtained a written certificate of fitness and ability to travel and endure the trip where you are undergoing medical treatment as a hospital outpatient at the time of paying the final balance of your trip; 6) for claims that are not confirmed as medically necessary by the attending doctor or The Caravan Club Medical Advisors; 7) for the cost of any elective (non-emergency) treatment or surgery, including exploratory tests, which are not directly related to the illness or injury which necessitated your admittance into hospital; 8) for any additional hospital costs arising from single or private room accommodation unless medically necessary; 9) for treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre; 18

22 10) for any claims where at the departure date, you or your travelling companion are travelling against the advice of a Medical Practitioner or travelling for the purposes of obtaining medical treatment; 11) for any medical test you have planned or expect to have; 12) any treatment or medication that you receive after your return to the United Kingdom or Republic of Ireland if this is your usual country of residence; 13) For any costs for cosmetic surgery or body art (e.g. tattoos or piercings) and any subsequent medical treatment required as a result of such a procedure; 14) for costs where receipts are not produced; 15) If you are undertaking a trip and travelling by air or sea and at the start of your trip or on your return date, you are more than 36 weeks and 6 days pregnant for a single pregnancy, or more than 32 weeks and 6 days for a multiple pregnancy; 16) for the exclusions set out in the MEDICAL - IMPORTANT CONDITIONS on page 5 and 6 relating to Pre-existing medical conditions, or anything mentioned in the GENERAL CONDITIONS and GENERAL EXCLUSIONS. SECTION 7 - HOSPITAL BENEFIT This section applies to trips: a) outside the United Kingdom or Republic of Ireland if this is your usual country of residence. b) by a Channel Islands resident to other parts of the United Kingdom c) by other United Kingdom residents to the Channel Islands Cover does not apply otherwise to trips within the United Kingdom This benefit payment contributes towards miscellaneous expenses incurred whilst you are an in-patient (including Taxi fares and telephone calls). It does not provide compensation for loss of holiday enjoyment. This is in addition to any medical expenses incurred under Section 6 - Medical Emergency Expenses. YOU ARE COVERED FOR A benefit of 20 per each complete 24 hours spent as an in-patient if you are admitted to a registered hospital abroad up to a maximum of 500, in addition to any medical expenses incurred under Section 6 of this policy. NOTE - Documentation must be submitted to confirm the date and time of admission and discharge. YOU ARE NOT COVERED FOR 1) You undertaking a trip if at the start of your trip or on your return date, you are more than 36 weeks and 6 days pregnant for a single pregnancy, or more than 32 weeks and 6 days for a multiple pregnancy; 2) the exclusions set out in the MEDICAL - IMPORTANT CONDITIONS on page 5 and 6 related to Pre-existing medical conditions, or anything mentioned in the GENERAL CONDITIONS and GENERAL EXCLUSIONS. 19

23 SECTION 8 - PERSONAL PROPERTY YOU ARE COVERED A. PERSONAL BAGGAGE Up to 1,500 for the value or repair of any of your own baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation). Limited to 250 for all valuables in total, limited to 250 for single and/or a pair or set of articles, limited to 200 for all golf equipment. NOTE - In the event of a claim for a pair or set of articles we shall be liable for the value of that part of the pair or set which is lost, stolen, damaged or destroyed. B. DELAYED BAGGAGE Up to 100 towards the cost of buying replacement necessities if your own baggage is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (i.e. airline, shipping company etc.) or tour representative. Receipts will be necessary in the event of a claim. NOTE - Any amount we pay you under B (Delayed Baggage) will be refunded to us if your baggage proves to be permanently lost. C. PERSONAL MONEY Up to 250 if your own money is lost or stolen whilst being carried on your person or left in a locked safety deposit box. Up to 75 if your own money is lost or stolen from an unattended vehicle or caravan provided that it was in a locked glove compartment, or rear boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle, and there is evidence of forcible and violent entry. NOTE - If you are aged under 16, claims under Personal Money are limited to 50 overall. YOU ARE NOT COVERED 1) for the first 40 of each and every incident (not applicable to B above); 2) if you do not exercise reasonable care for the safety and supervision of your property; 3) if in the event of loss, burglary, or theft of Baggage, Valuables or Money, You do not report this to the police within 48 hours, and do not obtain a written police report; 4) if your baggage is lost, damaged or delayed in transit, if you do not:- a) notify the carrier (i.e. airline, shipping, coach or train company) immediately and obtain a written Carriers Report (or Property Irregularity Report in the case of an airline) or, b) follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately. 20

24 5) for loss, destruction, damage or theft:- a) from confiscation or detention by customs or other officials or authorities; b) of contact lenses, hearing aids, samples or merchandise, bonds, coupons, securities, stamps or documents of any kind, vehicles or vehicle accessories (other than wheelchairs and pushchairs only), tents, antiques, musical instruments, pictures, mobile phones/smart phones and/or accessories, personal digital assistants (PDAs), computers/games consoles (including hand held consoles)/laptops/ipads/computer tablets or similar and/or accessories, televisions, satellite navigation systems (GPS) and/or accessories, sports gear whilst in use (other than ski equipment for winter sports trips), pedal cycles, dinghies, boats and/or ancillary equipment, glass or china, alcohol, cigarettes or any other tobacco products, perishable goods; c) due to wear and tear, denting or scratching, moth or vermin; d) of valuables left as checked-in baggage; 6) for mechanical breakdown, derangement or for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle they are being carried in; 7) for personal baggage stolen from an unattended vehicle, unless it was in a locked glove compartment, or rear boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle, and there is evidence of forcible and violent entry; 8) for any shortages due to error, omission or depreciation in value; 9) for any property more specifically insured or recoverable under any other source; 10) for anything mentioned in the General Exclusions. (see pages 27-29) SECTION 9 - LOSS OF PASSPORT YOU ARE COVERED Up to 200 for reasonable additional travel or accommodation expenses you incur abroad on obtaining a temporary passport, if your passport is lost stolen or destroyed. YOU ARE NOT COVERED 1) if you do not exercise reasonable care for the safety or supervision of your passport; 2) if, in the event of loss, burglary or theft of your Passport, you do not report this to the police within 48 hours, and do not obtain a written police report; 3) for loss, destruction or damage arising from confiscation or detention by customs or other officials or authorities; 4) for anything mentioned in the General Exclusions. (see pages 27-29) 21

25 SECTION 10 - PERSONAL LIABILITY YOU ARE COVERED Up to a maximum of 2,000,000 for your legal expenses and legal liability for damages which, caused by an accident that happened during the trip, leads to claims made against you for:- 1) accidental bodily injury to a person who is not a member of your family or household or employed by you; 2) loss of or damage to any property which does not belong to, is not in the charge or control of you, or any member of your family, household or employee; 3) damage to your temporary holiday accommodation that does not belong to you, or any member of your family, household or employee. YOU ARE NOT COVERED FOR 1) fines imposed by a Court of Law or other relevant bodies; 2) anything caused directly or indirectly by:- a) liability which you are responsible for, because of an agreement that was made; b) injury, loss or damage arising from:- i) ownership or use of aircraft, horse-drawn or mechanical/motorised vehicles (other than wheelchairs, electric wheelchairs or mobility scooters), vessels (other than rowing boats, punts, canoes, windsurfers and sailboards), animals (other than horses, domestic dogs and cats), or firearms (other than guns being used for sport); ii) the occupation (except temporary for the purpose of the trip) or ownership of any land or buildings; iii) the carrying out of any trade or profession; iv) racing of any kind; v) any deliberate act; c) liability covered under any other insurance policy; d) anything mentioned in the General Exclusions. (see pages 27-29) NOTE - If you are using a mechanical/motorised vehicle (other than wheelchairs, electric wheelchairs or mobility scooters), make sure that you are adequately insured for third party cover, as you are not covered under this insurance. SECTION 11 - HIJACK YOU ARE COVERED FOR A benefit of 50 per full 24 hours up to a maximum of 1,000 for the duration of the hijack. YOU ARE NOT COVERED 1) for business travel; 22