Your First Directory Travel Insurance Policy Number FD070104M

Transcription

1 Your First Directory Travel Insurance Policy Number FD070104M Please take time to read this booklet as it contains important information. To help you understand what you are covered for at a glance we ve highlighted some common questions such as Further details are on page 2.

2 Welcome to your First Directory Travel Insurance question and cannot find the answer either below or in the policy wording, please contact Customer Services. Who is covered by this policy? Cover is for you, the first directory holder(s), your domestic partner (providing you are both under 70 years of age at the start date of your trip), and your children travelling with you if they are under 18 years of age (or under 23 if in full time education and living with you outside of term time). Are holidays in the UK covered? Man need to involve a stay of at least 2 consecutive accommodation on page 12. Do I need to tell you that I am travelling? No. As long as you have told us about any relevant register with us or tell us that you are travelling. Do you need to know about any medical conditions? Helpline to tell them if you, or any other insured persons have received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease, which includes investigations or referrals for any undiagnosed conditions. Failure to in no cover for claims arising from undisclosed conditions. See the Your health section on page 16 for full details of when and what you must declare. Do you need to know if any travel plans are reliant on the health of a travelling companion or a close relative not insured by this policy? Yes. You must tell us if any another person you plan to travel with or a close relative (whether travelling or not) has any serious illness, injury or disease. See the Your health section on page 16 for full details of when and what you must declare. Are winter sports holidays covered? see the full details of what s covered on page 22. Are business trips covered? or administrative duties you are covered up to a cover any other type of business travel even if you have some leisure time during your trip. Can I claim for cancellation of my trip if I have a problem with my travel documents e.g. my passport is out of date/not arrived in time or visa is invalid? No. There is no cover under this policy for problems passport is lost, stolen or damaged once you are abroad there is cover to help you in this situation. Please see the Emergency Travel Document of the country you intend to visit with the local government embassy and/or the Foreign & Commonwealth Office website What is the maximum trip length? Trips should be no longer than 31 days and must start How do I make a claim? will apply for each section. 2

3 Travel Insurance Helplines Medical Risk Assessment 24-hour Medical Emergency Assistance Customer services you require any of these formats please contact first direct Lines open: Mon Fri (8am 8pm) Sat (9am 6pm) Closed Public Holidays and Sundays All lines open: 24 hours a day, Phone Travel Claims result of a medical emergency Lines open: Mon-Thurs (8am-6pm) Legal Expenses Claims and Advice advice for any personal legal problem that may lead to a claim under the policy. Travel Assistant This helpline can assist you with a wide range of travel advice before and while you are away. Please do not call this number for policy queries or claims For our joint protection and training purposes calls may be recorded and/or monitored. 3

4 Travel Assistant Helpline providing information on the countries you are visiting to sorting out non-medical emergencies. Advice before you travel: While travelling: and Other emergency services while travelling: Please note there is no charge for the provision of the advice, guidance and other emergency services while travelling shown above. However, if you wish us to obtain goods or services on your behalf that are not covered by a claim under this policy, you will need to pay any fees the provider charges and you will need to adhere to the provider s terms and conditions. Foreign and Commonwealth Office (FCO) Travel Advice by Country not responsible for the content of other websites. Please note this policy does not provide cover for Cancellation or Abandonment if you decide not to travel or continue a trip because the FCO have issued advice against all your travel and you want to continue with your trip, you will have the full benefit of your insurance so long as you and 4 on page 14. 4

5 Air and Maritime Passenger Rights For the latest advice and further details on your rights please visit the following websites: and search for travel problems and search for maritime passenger rights for the content of other websites. Your Claim any evidence we may require. Type of claim What must I do? What will I need? Cancelling Your Trip see page 24 Missed International Departure Delayed Departure after check in see page 26 Abandoning Your Trip see page 26 Medical Emergency see page 28 Enforced Stay Abroad see page 31 Legal Expenses see page 31 Emergency Travel Documents Personal Money and Baggage Delayed Baggage see page 37 cancellation is covered. Do all you can to get to your point of international departure on time. hours before submitting a claim. Contact the Medical Emergency helpline before returning home. Contact the Medical Emergency Assistance helpline before any hospital admission or as soon as possible thereafter. Contact your airline/carrier and they will advise if you should travel to specified time. and Advice helpline as soon as you are aware of an incident. Report incident details to the police within 24 hours. recover lost or stolen property/ money. police within 24 hours. carrier or their handling agent within any timescales stated in their terms and conditions. the carrier or their handling agent within any timescales stated in their terms and conditions. 5 medical certificate for completion by the patient s doctor to confirm the reason for cancellation. cancellation. A repair or assistance report if the vehicle involved in an accident. agent of the actual date and time of departure and reason for your delay. For medical claims, a medical report confirming the reason for abandonment. All medical reports given to you by the treating facility. the actual date and time of your return anything else to deal with your claim. All receipts for costs incurred. from the carrier and your baggage tag receipts. damaged items. its value. other relevant authority. the number of hours delay.

6 Guide to your First Directory Travel Insurance policy Contents Page Section 1 Policy Summary 7 Section 2 Policy Wording Definitions 11 Helpful and important information about your insurance Fraud Prevention 16 Your health Medical Declaration 16 Your activities Before you leave home Cancelling Your Trip 24 On your trip Abandonment 26 At your destination 28 Personal Accident 30 Personal Liability 30 Enforced Stay Abroad Mugging 34 Catastrophe cover 34 Pet Care 35 Your possessions 35 Personal Money Complaints Procedure 37 Compensation 38 6

7 PLEASE ENSURE YOU READ THIS SECTION Section 1 Policy Summary This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be future reference. Who is the insurer? What is First Directory Travel Insurance? worldwide trips. What are the main benefits, features, exclusions, limits and excesses? Section Cancelling Your Trip Missed International Departure Delayed Departure after check in Personal Accident What are the main benefits and features? Refund of your own personal and nonrecoverable travel and accommodation costs. accommodation costs if you miss your international departure of Man. Cover if the scheduled public transport on Man is delayed. OR You can choose to abandon your trip if the delay is for more than 24 hours on your outward journey. Death or loss of limbs/ sight or permanent total disablement following accidental injury. What are the significant, unusual exclusions or limitations? conditions,unless disclosed to and accepted by us. possible reasons that could prevent you from travelling at time possible reasons that could prevent you from travelling at time abandon your trip. possible reasons that could prevent you from travelling when abandonment claims for any internal domestic departures of departures to and from the Channel naturally occurring condition or degenerative process. Limit per person Excess per person 1,000 Nil OR abandonment after 24 hours for death if aged under 16) Nil OR Nil 7

8 Section Abandonment Emergency Medical and Associated Expenses Personal Liability Enforced Stay Abroad Legal Expenses Personal Money Baggage Cover Winter Sports Cover What are the main benefits and features? Proportionate refund of your unused and non-recoverable accommodation costs and, where applicable, reasonable costs to return home. Cover for emergency medical treatment and, if necessary, repatriation. Cover if you cause accidental injury or death to third parties or damage to their property. Cover if you are unable to return home on your scheduled return date weather or airport /airspace closure. Cover to pursue a civil claim if you suffer personal injury or death during your trip. Cover for loss or theft of your personal money or travel documents. Cover for loss, theft or damage to your personal belongings. Cover for loss, theft or damage to winter sports equipment. Also covers additional benefits for delays due to avalanche, or injury or illness. What are the significant, unusual exclusions or limitations? conditions, unless disclosed to and accepted by us. possible reasons that could prevent you completing your trip at conditions, unless disclosed to and accepted by us. Claims arising from your job or the use of animals, firearms, motorised vehicles, vessels or aircraft. Any payment if you have not purchased a return return date with your travel provider before the claim arises. before your claim has been accepted. more than 183 days after the incident occurred. reported to the police within 24 hours of discovery. not carried in your hand baggage whilst you are in transit. motor vehicles when there is no evidence of forcible and violent entry. equipment left in a motor vehicle. there is no evidence of forcible and violent entry. Limit per person 10,000,000 Lower limits apply for some associated Excess per person 2,000, if holiday accommodation 100 each 24 hours OR 1,000 towards cost to return home Limits: 300 Limits: total valuables 400 ( 300 limit for single articles) 200 avalanche delay 300 piste closure Nil Nil 8

9 The following are some of the General Exclusions and Conditions that apply to the whole policy. There is no cover for: fees, project costs, sponsorship fees or similar. vehicle without a valid licence and/or insurance. Changes will be notified to you in writing at least 30 days before they become effective. Policy cover may be increased or decreased. Pre-existing medical conditions important declarations you need to make any trip (whichever is later), any insured person: 1. has received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months 2. is under investigation or awaiting results for any diagnosed or undiagnosed medical condition 3. is on a waiting list for, or aware of the need for, in-patient treatment for any diagnosed or undiagnosed medical condition 4. has received a terminal prognosis been reasonable for you to have consulted a doctor. 1. a close relative or close business associate whether travelling with you or not and/or has been referred to a Consultant/Specialist, or been admitted to hospital. Cancellation cover will apply, the trip. deterioration in the status or control of any condition previously declared or if you or anyone upon whose good health the trip depends develops another medical condition. 9

10 How long does my First Directory Travel Insurance run for? The policy will remain in force until the first of the following termination events occur: 1. the First Directory holder: they reach age 70). 2. first direct: Eligibility As your circumstances may change over time, it is important that you review the terms and conditions of your Your Cancellation Rights first direct How do I make a claim? How do I make a complaint? and we have been unable to resolve your complaint, you may refer it to this independent body. Following the Would I receive compensation if Aviva were unable to meet their liabilities? Aviva is a member of the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from this scheme if we cannot meet our obligations, depending on the type of insurance and the circumstances of your claim. Further information about the FSCS arrangements is available from them on , or by 10

11 Section 2 - Policy Wording Abandon/Abandonment Returning to the UK before your scheduled return date (including being repatriated by us to a hospital), or being an in-patient in hospital for more than 24 hours during your trip. Close Business Associate Someone youukyou to be able to go on or continue a trip. A senior manager or director of the business must confirm this in the event of a claim. Close Relative Your mother, father, sister, brother, marital/civil or domestic partner who lives with you, fiancé(e), daughter, son, grandparent, grandchild, parent-in-law, daughter-in-law, son-in-law, brother-in-law, sister-in-law, stepparent, step-child, step-sister, step-brother, aunt, uncle, cousin, nephew, niece, legal guardian or foster child. Doctor A registered member of the medical profession practising in the UK who is not related to you or anyone you are travelling with. Excess/Excesses The amount(s) that you will have to pay towards each claim per insured person per section. first direct First Directory Holder(s) The person(s) named on the 1st Account with first direct as a First Directory holder(s). Home Your home address in the UK. Home Territory your home is located in any of these locations your home is located on any of these islands. Loss of One or More Limbs The loss of youryour entire hand, arm, foot or leg. Office-based Business Travel Travel outside the UK if the reason for your journey is to carry out wholly office-based clerical or administrative duties only, which do not involve you dealing with members of the public. Office-based business travel is Partner The person that the First Directory holder lives with at home in a domestic relationship, whether married or cohabiting (as if husband and wife), regardless of gender, who is under 70 years of age at the start date of the trip. Period of Insurance Each trip youyou Cover for each separate trip applies as follows: trip (whichever is later) and ends when you leave your home to start your trip. you leave your home and ends when you return home within your trip limit. you can spend outside of the UK in any calendar year is 183 days in total. Permanent Total Disablement A permanent and total disability that means you Personal Money 11

12 Point of International Departure The airport, port or station from which youuk. Pre-booked Holiday Accommodation your trip, Reasonable Care Youyourself and prevent accidents, theft, loss or damage. Youyouyou did not have this insurance. Total Loss Of Sight Complete and permanent loss of sight. Travelling Companion A person you travel with, without whom youyour trip. Trip(s) UK that last no more than 31 days that are either: UK Office-based business travel outside the UK UK, that include two or more consecutive nights stay in pre-booked holiday accommodation. 1. Cover for winter sports holidays is limited to 31 days in total in any calendar year. 2. Cover for office-based business travel is limited to 31 days in total in any calendar year. UK UK Resident An insured person whose main home is in the UK, who is registered with a doctor in the UK and who is liable UK. You must have been resident in the UK for at least 6 months before First Directory was opened or the trip Unattended you are unable to prevent unauthorised interference with, or theft of your property, unless it is left in a placed out of view in an enclosed storage compartment, boot or luggage space. Valuables stones, binoculars, hand held games consoles and equipment, mobile phones, audio visual, photographic, video camera, computer and television equipment, portable in-car and handheld satellite navigation devices. We, Us, Our, Insurer Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Winter Sports Equipment You/Your(s)/Yourself/Insured Person The First Directory holder, his/her partner who are under 70 years of age at the start of the trip and their dependent children who at the start date of the trip are under 18 years of age (under 23 years of age if still in full time education and living at home outside of term time). Helpful and important information about your insurance your you when youyou full details of what is covered, what is not You you do not comply, we may refuse your claim or reduce your cover in the event of a claim. We will insure you against loss, damage, legal liability, illness or bodily injury, which may happen during the period of insurance providing: 1. you are a First Directory holder and hold a 1st account 2. you are a UK resident 12

13 3. the trip begins after the date First Directory was opened 4. the journey is a round trip beginning and ending in the UK that lasts no more than 31 days youyour return journey when travelling outside of the UK 6. the journey is either: a. a holiday outside the UK or b. office-based business travel outside the UK, or c. a holiday within the UK, which includes two or more consecutive nights stay in pre-booked holiday accommodation. Children Dependent children who at the start date of the trip are under 18 years of age (under 23 years of age if still in full time education and living at home outside of term time) are only covered: First Directory holder, or his/her partner, or close relatives who permanently live abroad, for the duration of the trip. Automatic Cover The insurance cover automatically applies for each tripyou do not have to contact us every time youyou a previously disclosed medical condition or the diagnosis of a new medical condition. Please also read Information and Changes we need to know about Youyou open First Directory, you relating to you, and anyone whose good health your trip depends on (whether travelling or not). After you have opened First Directory, you changes to your health or the health of anyone else the trip depends on (e.g. a travelling companion, or a close relative even if they are not travelling with you). Please see the Medical Declaration section of this policy. You must also tell first direct if you no longer live in the UK. we are notified of a change, we will tell you if this affects yourwe are able you is not complete and accurate we may: youweus. Automatic Extension of Cover youyour cover ends, your insurance will remain in force as follows: 1. up to 14 days if any vehicle you you 2. up to 30 days if you cannot return home due to your accidental injury or illness or quarantine. We will also continue to pay for medical treatment under the Emergency Medical and Associated our Medical Emergency Assistance provider and agreed by us. Termination of Cover 1. the First Directory holder: First Directory holders until they reach age 70). UK resident. 2. first direct: insured person is on a trip at the time a termination event occurs, all cover will cease when the trip ends. 13

14 Your Cancellation Rights you hold First Directory or until the first of the Termination of Cover events shown above occur. You have a statutory 14 day period in which to cancel First Directory Travel you opened First Directory or when you received your travel insurance your right to cancel, please contact first direct. Use of Language will be in English. Choice of Law 1. you and the insurer 2. at the date of the contract you are a resident of (or, in the case of a business, the registered office or which case (in the absence of agreement to the contrary) the law of that country will apply. General Exclusions Which Apply To The Whole Travel Policy This policy does not cover the following: 1. Any consequence whatsoever which is the direct or indirect result of any of the following, or anything connected with any of the following, whether or not such consequence has been contributed to by any other cause or event: declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power. 2. Claims directly or indirectly caused by: a. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste c. pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds. 3. Any claim for your a. your suicide or attempted suicide, or b. your misuse of alcohol or drugs or your immediate or long-term physical or mental impairment, including impairment to your judgement causing youyou your misuse of alcohol or drugs. 4. Any claim where during the trip, you deliberately put yourself (unless you were trying to save human life). and not being able or willing to carry out any part of their duty to you. 6. Any loss that is not specifically described in the stated terms and conditions, e.g. we will not pay for loss of earnings if youyour trip. 7. We do not cover any payment, which you would normally have made during your travels and/or which does not fall within the events insured under the terms of this insurance policy. been diagnosed before you opened First Directory or the trip 9. Any claim for an incident occurring during the trip that results from: a. you b. you you wear a crash helmet and, as a rider, you are fully licensed to use such a vehicle in the UK your mode of transport from the UK and you wear a crash helmet and you are fully licensed and insured to use this vehicle in the UK. c. you d. you driving any motorised vehicle, unless you are fully licensed to drive such a vehicle in the UK. e. you using any motorised vehicle as a driver or passenger, unless you have complied with all laws applying to use of that vehicle in the country youyou must wear a seat belt where this is required by law. f. your g. you 14

15 h. you i. you 10. Any claim resulting from a tropical disease where you have not had the recommended inoculations and/or 11. Any claim where you 12. Any claim for: a. unused travel or accommodation arranged by using air miles, loyalty or points based ownership schemes, timeshares or similar promotions. ownership schemes, timeshares or similar promotions. c. costs where these are recoverable from your travel and/or accommodation provider. d. the refund of any costs you have paid for on behalf of persons not insured under this policy. e. administration costs charged by your travel and/or accommodation provider in respect of obtaining a refund for unused travel and accommodation. General Conditions Which Apply To The Whole Travel Policy 1. You are the First Directory holder his/her partner or their dependent children who at the start date of the trip are under 18 years of age (under 23 years of age if still in full time education and living at home outside of term time). 2. Youyou open your First Directory and to tell the insurer about your health and the health of anyone else your travel plans depend on. Please note that if you fail to tell the insurer could invalidate your therefore very important that you you is not complete and accurate, we may amend the medical underwriting 3. Youyourself and your property against any accident, injury, theft, loss or damage. weour under the terms of the policy, you must pay uswe have paid, which you are not covered for. You must tell us as soon as possible after any injury, illness, incident or redundancy, or if you discover any loss or damage which may lead to a claim under this policy. You must also tell us if you are aware of any legal proceedings, summons or prosecution. You must send us every communication relating to a claim as soon as reasonably practicable. 6. You, or any person acting for you, must not negotiate, admit or reject any claim without our permission in writing. 7. Weyou cannot provide receipts or bills. 8. You or your legal representative must pay for any certificates, information and evidence, which we may weinsured person to our behalf. We any insured person dies. we are entitled to approach that insurer for a contribution towards the claim, and will only pay our share. This condition does not apply to the Personal Accident, 10. Weyour name the defence or settlement of any legal action. We ourour own benefit, but in your name, to recover any payment we have made under this policy to anyone else. 11. You cannot transfer your rights under this policy. A person, partnership (whether limited or not) or company who is not insured under the policy has no rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any of its terms. youyouyour doctor s name to enable us to access your medical records. This will help the treating doctors, and us, to provide you with the most you do not agree to provide this we may not deal with your claim. your statutory cooling off period, you continue to have the right to cancel your first direct, but no refund of any fees payable in respect of First Directory will be available. 14. Weyour our we will only consider one or more of the following: our similar nature. us similar products. 15

16 Changes (together with the reasons for such changes) will be notified to you in writing at least 30 days in advance. Additionally, weyour Travel us or your policy) in the law or regulation or the interpretation of law or practice, with which we intend to comply. your policy clearer and fairer to you discovered in due course. Changes (together with the reasons for such changes) will be notified to you in writing at least 30 days in advance. first directour happens first direct will contact you by sending 30 days notice to your Fraud Prevention and Detection first direct and the insurer may at any time share information about you with other organisations and public bodies including the police. You should show these notices to anyone who has an interest in the insurance under the policy. you, or anyone acting for you you give any false declaration or statement to support the claim, we will not pay the claim and all cover under the policy will end. We reserve the right to tell the police about any dishonest claim. Your health This policy is not a general health or private medical insurance policy and will only cover you if you have a youyou might need whilst on your trip, or you read the Medical Declaration below, and provide complete and accurate information. The Medical Declaration applies at the start date of cover or when the trip insured persons and anyone else upon whose good health your trip depends, even if they are not travelling with you. Please read this carefully as it may affect your cover. Medical Declaration 1. Youyou trip (whichever is later), you: a. have received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months b. are under investigation or awaiting results for any diagnosed or undiagnosed medical condition c. are on a waiting list for, or aware of the need for in-patient treatment for any diagnosed or undiagnosed medical condition d. have received a terminal prognosis e. are travelling against the advice of a doctor or purposely travel without medical advice when it was reasonable for you to have consulted a doctor close relative, close business associate, travelling companion or person you plan to stay with, (and upon whose good health your trip depends), who has a serious illness, injury or disease which could affect youryour trip. trip and the departure date, you are referred to a Consultant/Specialist or are admitted to a hospital, your policy will cover you for cancellation of your trip. Please note however, that if you still wish to travel you immediately and they will advise you if you or abandonment claims relating to this condition. trip and the departure date, anyone upon whose good health your trip depends, such as a close relative or a travelling companion, is referred to a Consultant/Specialist or is admitted to a hospital, your policy will cover you for cancellation of your trip. Please note however, that if you still wish to travel you immediately and they will advise you if you will be covered for abandonment claims relating to this condition. 16

17 you or anyone upon whose good health your trip depends, is referred to a Consultant/Specialist or is admitted to a hospital, after youyour trip but prior to paying any final balance due for your trip, youwe will advise you if you will be covered for claims relating to this condition. Please note, if you do not do this it will affect your claim if you have to cancel your trip before the departure date. your you have declared. European Health Insurance Card European Union we strongly recommend that youyou. This will allow you access to the healthcare service provided to residents of the country or countries you are visiting, which may not cover everything you would be normally receive free of charge from the National Health Service (NHS). Application forms can be obtained from the post office or online and should be completed and validated before you travel. You will need your Medicare - Australia you are travelling to Australia and need emergency medical treatment you must enrol with a local Medicare office, which will entitle you to subsidised treatments and medicines at a public hospital. All claims for refunds under the Medicare scheme must be made before you leave Australia. To enrol in Medicare you will need your passport with a valid visa. For more information visit: or medicare@medicareaustralia.gov.au. You please note that these will not cover you for the cost of medical treatment in a private hospital or clinic, or the additional cost of returning to youryou. Your activities What is not covered 1. There is no cover at all for any injury or death if, during your trip, you based holiday or winter sports activity: a. that is NOT shown below b. either as a professional or where you receive any financial reward or gain d. if you suffer from a medical condition which would normally prohibit you from participating in that activity e. where you have failed to follow all safety guidelines and use the necessary safety equipment. 2. There is no cover under the cancelling your trip or abandonment sections for: a. any course or tuition fees, project costs, sponsorship fees or similar (other than your b. cancellation of a pre-paid leisure activity or any activity based holiday by the organiser of that activity. Leisure Activities There is no cover where the main purpose of your trip is to take part in a leisure activity (unless shown as an Activity Based Holiday on page 21). You shown on pages 18 to

18 Leisure Activity Abseiling Aerobics Archery Ringos Camel or Elephant rides Canoeing Canopy/Treetop Cave/River Tubing Clay-pigeon or small bore shooting Coasteering Croquet Curling Cycling No cover under Personal Accident section Limitations (applicable where shown) No cover under Personal Liability section Must be organised through a licensed operator Other Must be under supervision of a qualified instructor Must be under supervision of a qualified instructor Must be accompanied by a qualified guide Must be under supervision of a qualified instructor equivalent international grade used by the country you are in) Must be accompanied by a qualified guide Must be under supervision of a qualified instructor Must be accompanied by a qualified instructor/guide 18

19 Leisure Activity No cover under Personal Accident section Limitations (applicable where shown) No cover under Personal Liability section 19 Must be organised through a licensed operator Dodgeball Dinghy sailing limit of the coastline or on inland waters Fencing Fishing No cover for equipment under Football Passenger only No cover for equipment under Handball upto 3,000 metres No hunting, jumping or polo Hot air ballooning Passenger only Passenger only No marathons or competitive running equivalent international grade used by the country you are in) Microlighting Passenger only Motorcycling up to Other See important information on page 17 Downhill grades 1 and 2 only (or the equivalent international grade used by the country you are in), no freeriding, four-cross, dirt jumping or trials Netball Paintball Parascending Over water only Racquetball Roller blading or Rounders Rowing Safari Sail boarding equivalent international grade used by the country you are in) only

20 Leisure Activity Scuba diving to a depth of 30 metres No cover under Personal Accident section Limitations (applicable where shown) No cover under Personal Liability section Must be organised through a licensed operator Other 1. No cover for equipment 3. Must be accompanied by qualified scuba diving instructor or dive master at all times 4. No professional, commercial or technical diving including, but not limited to, tutor diving, ice diving, free diving, or solo diving. of completing a dive Must be accompanied by a qualified guide Segway Passenger only helicopter rides Softball Squash Swimming Swimming with Dolphins Table Tennis Ten pin bowling Tennis Trampolining Tug of war Volleyball Yachting No racing and within a 12 mile limit of the coastline or inland waters Yoga Zip lining Zorbing/Sphering 20

21 Activity Based Holidays You are covered for the following activity based holidays, subject to any limitation shown below. IMPORTANT NOTE: See Your Activities, What is not covered on page 17. Activity based holiday Charity or Cycle Touring No cover under Personal Liability section Limitations (applicable where shown) Must be organised through a licensed operator/tour operator Other 2. On behalf of and organised through a registered charity or conservation organisation 3. The trip is no longer than 31 days section Fishing section Flotilla Sailing no racing section altitude Narrow boat/canal cruising Safari Tennis Yoga Accompanied by qualified guides. 21

22 Winter Sports Activities You any limitation shown below. IMPORTANT NOTE: See Your Activities, What is not covered on page 17. Winter Sports Activity On recognised paths only Limitations (applicable where shown) Dog sledding Accompanied by a qualified guide at all times Accompanied by a qualified guide at all times and only in areas that the resort management consider to be safe Recognised pistes only Sledging Sleigh rides Snow mobiling No cover under the Personal Liability section. Recognised paths only. Snow shoeing Winter Sports cover Cover under this section only applies for a total of 31 days in any calendar year. Winter sports equipment 1. We will cover you for loss, theft or accidental damage to winter sports equipment during your trip. We and loss of value using the scale below. The most weinsured person. 2. We will cover you for loss, theft or accidental damage to winter sports equipment that you have hired during your trip. We will pay for their replacement or repair. The most weinsured person. we pay under items 1 or 2 above, we will also pay up to 200 for each insured person to hire replacement winter sports equipment during the rest of your trip. 4. We will also pay up to 200 for each insured person to replace your lift pass if it is lost or stolen during your trip. Special conditions 1. Youreasonable carewinter sports equipmentwinter sports equipment is lost or stolen, you winter sports equipment is lost or damaged by an authority, a transport company or hotel, you must report the details of the loss or damage to them in writing and get written confirmation. winter sports equipment is lost or damaged by an airline, you must: a. get a property irregularity report 22

23 b. give written notice of the claim to the airline within the time limit in their conditions of carriage (you should you claim under this policy. 4. You must be able to prove that you were responsible for the lost, stolen or damaged items and the you do not do this, it may affect your claim. You must report any loss or theft to the police within 24 hours of discovery and get a written report (where it is not possible to obtain a police report you must provide other independent proof of the loss or theft such as a letter from your transport company, hotel, vehicle hire company or repairer). Excess Weinsured person s claim for winter sports equipment. Delay due to Avalanche We will cover youyour arrival at or The most we will pay for each insured person is 200. Piste Closure you we will pay you a daily benefit of 30. Special conditions 1. This section does not apply in the UK. 2. You must provide evidence that confirms the piste closure from either your tour operator or resort management. The most we will pay for each insured person is 300. Ski Pack your trip, youwe will pay the proportionate cost of your The most we will pay for each insured person is 300. Inability to take part in Winter Sports activities your trip, you sports activities, we will pay youyou are prevented from doing so. The most we will pay for each insured person is 200. What is not covered 1. Deliberate or malicious damage to winter sports equipment caused by the insured person. 2. Loss or damage to winter sports equipment caused by the insured person s carelessness or neglect. 3. Losses from motor vehicles. 4. Any loss or theft which you do not report to the police within 24 hours of discovery and get a written report. Winter sports equipment that is damaged while it is being used. or restoring. 7. Any claim for a medical condition if any insured person has travelled against the advice of a doctor or purposely travel without medical advice when it was reasonable for you to have consulted a doctor. 8. Any claim for a medical condition if any of the following applied when the First Directory was opened or the tripyou a. had received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months unless the condition was disclosed to and accepted by us b. were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by us c. were on a waiting list for in-patient treatment or were aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by us d. had been told you have a terminal illness. 23

24 9. Any claim for a medical condition where you have been referred to a Consultant/Specialist or have your trip and the departure date unless disclosed to and accepted by us. Before you leave home Cover under this section begins on the date you opened First Directory or the date of booking each separate trip (whichever is later) and ends when you leave your home to start your journey. Cancelling your trip We will pay for non-recoverable costs that each insured person has paid for their own personal travel and First Directory was opened or a trip of the reasons below. 1. You are injured, fall ill, are quarantined or die. 2. One of the following people is seriously injured, falls seriously ill or dies: a. a close relative b. a close business associate c. the person you were going to stay with. 3. You are called for jury service or as a witness in a court of law. 4. You are made redundant. Your home you because your home 7. You are prevented from leaving your home on the planned departure date due to severe/adverse weather. 8. You are prevented from starting your trip on the planned departure date due to the cancellation of pre- c. airspace or an airport or port you are scheduled to travel from or through has been closed d. volcanic ash in the atmosphere and the carrier or their handling agent is unable to provide suitable alternative travel arrangements within 24 You will also be covered if a cancellation is unavoidable because your travelling companion is unable to travel due to one of the reasons listed above. Special conditions 1. All claims resulting from injury, illness, quarantine or death must be supported by medical reports obtained at the time or a death certificate (or both) indicating the necessity to cancel the trip. 2. All claims must be supported by documentary evidence that you have been unable to obtain a refund from the travel and/or accommodation provider. 3. You must provide written confirmation from the carrier or their handling agent of the actual date and time of the planned departure and reason for the cancellation, and that they were unable to offer suitable alternative itinerary. you have been prevented from leaving your home due to severe/adverse weather, you must provide evidence that travel was not possible, such as local police, press or traffic reports. The most we will pay The most we will pay for each insured person Excess Weinsured person s claim. However, if two or more insured persons cancel the same tripexcess deposit only, we will not pay the first 20 of each insured person s claim. What is not covered 1. Any claim made because you 2. Any claim for a medical condition if any of the following applied when First Directory was opened or the tripyou: a. had received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months unless the condition was disclosed to and accepted by us 24

25 b. were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by us c. were on a waiting list for in-patient treatment or aware of the need for in-patient treatment, for any diagnosed or undiagnosed condition unless disclosed to and accepted by us d. had been told you had a terminal illness. 3. Any claim for a medical condition if your travelling companion or any other person upon whose good health your trip depends had a serious illness, injury or disease which you were aware of when First Directory was opened or the trip accepted by us. 4. Any claim for a medical condition where you, your travelling companion or any other person upon whose good health your trip depends have been referred to a Consultant/Specialist or have been your trip and paying any final balance due for your trip unless disclosed to and accepted by us. you were planning to get medical treatment for during your trip. 6. Any claim for redundancy caused by misconduct, resignation or voluntary redundancy, or if you or your travelling companiontrip (whichever is later) or where you cannot provide written evidence that the reason you or your travelling companion left the job was due to redundancy. 7. Any claim where youtrip later), that: a. you or your travelling companion would be unable to travel, or b. where it had been publicly announced and/or reported by the media that the occurrence of an anticipated event could result in the: was opened or the trip 9. Any claim where the carrier or their handling agent has offered suitable alternative travel arrangements On your trip After you have left your home you will be covered under all of the following sections of this insurance during your trip. All cover ends when you return home (including being repatriated to a hospital by us) or after expiry of the 31 day trip limit. Missed International Departure This section does not apply for trips taken solely within the UK. 1. scheduled bus, coach or rail services not running to their published timetable, or you are travelling you arrive at your point of international departure too late to board the ship, aircraft or train on which youweyou have to pay to reach: a. your trip destination on your outward journey b. your home on your return journey. Special conditions you have missed or will miss your ship, aircraft or train at the point of international departure due to one of the reasons listed above, you must contact the Travel Assistant helpline number shown on page 3 and we will contact the carrier or their handling agent for you you. Any cost incurred may have to be paid by you and submitted as a claim. 2. Youyou are claiming because the vehicle you The most we will pay The most we will pay for each insured person is 1,

26 What is not covered opened or the trip trip 3. Any claim where you have not done all you can to get to the point of international departure for the time specified on your 4. Any claim where the carrier or their handling agent has offered reasonable alternative transport. Delayed Departure after check in We will pay youyou are delayed at your: 2. your point of international departure from or to the UK. Abandonment after a 24 hour delay you are delayed for more than 24 hours at your point of international departure from the UK and the carrier or their handling agent is unable to provide you with suitable alternative travel arrangements within 24 you can choose to abandon your trip. You can also choose to abandon your trip if you are delayed for more than 24 hours on your outward you abandon your trip, we will pay for non-recoverable costs that each insured person has paid for have to be paid. Special condition You handling agents of the actual date and time of departure and the reason for the delay. Weyour scheduled departure. The most we will pay The most we will pay for: insured person. 2. abandonmentinsured person. Excess Weinsured person s abandonment claim. However, if two or more insured persons abandon the same trip What is not covered you are delayed on any domestic departures within the UK opened or the trip trip 4. More than one item under this section. Abandonment We will pay for: 1. non-recoverable costs for the personal travel and accommodation for each insured person (including 2. reasonable additional travel costs (if you cannot use your allow you to return home early if you unavoidably have to abandon your trip because any of the following happen after you have left home. 26

27 1. You are injured, fall ill, are quarantined or die. 2. One of the following people is seriously injured, falls seriously ill or dies: a. a close relative b. a close business associate c. the person you were going to stay with. 3. Your home you because your home you from reaching the point of international departure or the prebooked holiday accommodation within the UK. 6. You reach the point of international departure on the outward journey from the UK and discover that d. volcanic ash in the atmosphere and the carrier or their handling agent is unable to provide suitable alternative travel arrangements within 24 You will also be covered if abandonment is unavoidable because your travelling companion is unable to continue the trip due to one of the reasons listed above. Special conditions you have been unable to reach your point of international departure or pre-booked holiday accommodation within the UK due to severe/adverse weather, you must provide evidence that travel was 2. You must provide written confirmation from your carrier or their handling agent of the actual date and time of your planned departure and the reason for the cancellation. you need to return homeabandonment claim, you must phone the Medical Emergency Assistance helpline immediately. you cannot use yourwe pay additional travel costs to allow you to abandon your trip, yourus. youryour carrier or their handling agent, you must provide written confirmation from them that they were unable to offer you suitable alternative travel arrangements within 24 hours of the date and time of your scheduled departure as shown on your 6. All claims resulting from injury, illness, quarantine or death must be supported by medical reports obtained at the time or a death certificate (or both) indicating the necessity to abandon your trip. The most we will pay The most we will pay for each insured person Excess Weinsured person s claim. However, if two or more insured persons abandon the same tripexcess under this section will be 100. What is not covered 1. Any claim due to severe/adverse weather where you have not allowed sufficient time to reach your point of international departureyour journey. opened or the trip 3. Any claim where youtrip that: a. you would be unable to travel, or b. it had been publicly announced and/or reported by the media that the occurrence of an anticipated event could result in: you are scheduled to travel from or through, or your 4. Any claim for a medical condition if any insured person has travelled against the advice of a doctor or purposely travel without medical advice when it was reasonable for you to have consulted a doctor. tripyou: a. had received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months unless the condition was disclosed to and accepted by us 27

28 b. were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by us c. were on a waiting list for in-patient treatment or aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by us d. had been told you have a terminal illness. 6. Any claim for a medical condition if any person upon whose good health your trip depends had a serious illness, injury or disease which you were aware of when First Directory was opened or the trip was us. 7. Any claim for a medical condition where you or any person upon whose good health your trip depends your trip and the departure date unless disclosed to and accepted by us. 8. Any claim for a medical condition you were planning to get medical treatment for during your trip. 9. Any claim which was not authorised by our Medical Emergency Assistance provider before you returned home. 10. Any claim that results from your job unless the purpose of the trip was office based business travel. 11. Any claim for additional travelling costs if prior to your departure from the UK you have not purchased a UK. 12. Any claim made because you did not enjoy your trip. 13. Any claim where youyour trip that you may need to return home early. Emergency Medical and Associated Expenses you are injured, fall ill, are quarantined or die during your trip, we will pay for the following: 1. Emergency Treatment you to hospital) outside your home territory. your home territory. 2. Associated Expenses youyour trip) if it is medically necessary for you to stay after the date you were going to return home. We will also pay travel costs, which youyour home if you cannot use your you in the country outside your home territory where you die. your body or ashes to your home. d. The cost of getting you home, if it is medically necessary because you are seriously injured or fall seriously ill during your trip and you cannot use your our Medical Emergency Assistance provider and the treating doctor agree that it is necessary, we will also pay for reasonable travel and accommodation costs, under items 2a and 2d, for one relative or friend who has to stay with you or travel to be with you. 3. Hospital Benefit We will pay youyou are in hospital outside your home territory receiving in-patient treatment, following your injury or illness during your trip. 4. Holiday Disruption you have a claim for emergency medical treatment, we will pay you you are: a. in hospital receiving in-patient treatment for more than 48 consecutive hours: or b. confined to your accommodation on the written advice of the treating doctor for more than 48 consecutive hours. Special conditions 1. 24Hour Worldwide Medical Emergency Assistance Service You must call the Medical Emergency Assistance helpline number shown on page 3 before you arrangements if an illness or injury means that you: you need to visit them for repeat treatments, or you are going to require tests or investigations as an out-patient, or youyou cannot call before you are admitted as an in-patient because the condition is serious, you must contact as soon as possible after you go into hospital. your where necessary: 28