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YOUR IMPORTANT
INFORMATION
IF YOU NEED EMERGENCY MEDICAL
ASSISANCE ABROAD OR NEED TO CUT SHORT
YOUR TRIP:
Contact Emergency Assistance Facilities
24hour Emergency advice line on:
+44 (0) 203 829 3 816
IF YOU NEED A CLAIM FORM:

You can download the relevant form:
www.travel-claims.net
Or contact Travel Claims Facilities on:
0203 829 3 815
IF YOU NEED LEGAL ADVICE:
Contact Slater & Gordon LLP on:
+44 (0) 161 228 3851
IF YOU NEED TO TALK TO GOODTOGO:
Sales: 0330 024 9949
Customer Services: 0330 024 9949
Single and Annual Multi Trip Policies
Master policy number RTXAN40069 A&B
This insurance policy wording is a copy of the master policy wordings
and is subject to the same terms, conditions and exclusions.
This policy is for residents of the United Kingdom and the Channel Islands only
For policies issued from 21/12/2015 to 31/12/2016 with travel before 31/12/2017
Goodtogoinsurance.com is a trading name of Ancile

Insurance Group Limited and is Underwritten by
Travel Insurance Facilities and Insured by Union
Reiseversicherung AG, UK.
Travel Insurance Facilities are authorised and
regulated by the Financial Conduct Authority. Union
Reiseversicherung AG are authorised by BaFin and
subject to limited regulation by the Financial Conduct
Authority.
Page
2
3
4
5
6-7
8
Criteria for purchase

Important contact numbers
Disclosure of medical conditions
How your policy works
Definitions
Conditions and exclusions
9-10
Cancellation
10-11
11
12
13
14
15
16
17
18
19
20
20
21
22
23-28
29
29
30
30
31
31
32
32
33
34
34
35
Our pledge to you
Contents
YOUR PRE-TRAVEL POLICY

YOUR TRAVEL POLICY
Curtailment
Missed Departure and Travel Delay
Personal Accident
Medical & Repatriation Expenses
Additional Medical Expenses
Personal Property
Gadget Cover
Mobility Aids
Loss of Passports and Documents
Personal Public Liability
Legal Costs and Expenses
Catastrophe
Hijack
Scheduled Airline Failure
Travel Disputes Professional Fees
Enhanced Travel Delay
Ski Equipment
Ski Pack
Piste Closure
Loss & Hire of Golf Equipment
Loss of Green Fees
Hole in One
Missed Connection
Natural Catastrophe
Hazardous Pursuits
Scuba diving endorsement
Claims and Complaints
section
A1
B1
B2
B3
B4
B5
B6
B7
B8
B9
B10
B11
B12
B13
B14
B15
B16
B17
B18
B19
B20
B21
B22
B23
B24
Page 1
It is our aim to give a high standard of service and to meet any claims covered
by these policies honestly, fairly and promptly. We occasionally get
complaints and these are usually through a misunderstanding or insufficient
information. Any complaint will be investigated at once and the matter
resolved as quickly as possible, please see the last page of the policy for
information on our complaints procedure.
Policy information
Your insurance is covered under two master policy numbers, RTXAN40069
A your pre-travel policy and RTXAN40069 B your travel policy, specially
arranged by Goodtogoinsurance.com on behalf of Travel Insurance
Facilities, insured by the United Kingdom and Republic of Ireland Branch
Office of Union Reiseversicherung AG. Cover is provided for each traveller
who is shown as having paid the insurance premiums and whose name
appears on the insurance validation documentation. In the event that you
have paid for a trip on behalf of other individuals not insured on this policy
please be advised that your policy only provides cover for your proportion of
trip costs, as opposed to the amount you have paid on behalf of others.
We have a cancellation and refund policy, which you will find in full on page
5. Please be aware no refund of the insurance premium will be given after
the policies have been issued if you have travelled on, claimed or intend to
claim against the policy.
CRITERIA FOR PURCHASE
Page 2
This insurance is sold on the understanding that you and anyone travelling with you and named on the insurance certificate:
Have not started the trip.

The policy is only valid for trips commencing in and returning to the UK. For all trips you must have a pre-booked outbound and return flight
and the policy must cover the whole duration of the trip for the insurance to be valid.
Take all possible care to safeguard against accident, injury, loss or damage as if you had no insurance cover.
Is a resident of the United Kingdom or Channel Islands.
Are not travelling specifically to receive medical treatment during your trip or in the knowledge that you are likely to need treatment.
Is not travelling against medical advice and to ensure that they are able to undertake their planned trip.
Note the max trip duration of a single trip is 94 days
Are not travelling for more than 31 days on any one trip when purchasing an annual multi-trip policy (unless the appropriate premium has been
paid to increase the duration and this is confirmed in writing).
Is not travelling independently of the named insured adults on the policy where they are aged 18 years and under
ACCURATE & RELEVANT INFORMATION
Page 3
You have a duty to take reasonable care to answer questions fully and accurately, and that any information you give to us is not misleading. This applies both when you take the policy out and at any time
during the policy period. If you do not do so, we reserve the right to void your policy from inception and refuse all claims made against it. In the event that it becomes necessary to cancel your policy following
a misrepresentation or suspected fraud, we will give you seven days notice of cancellation of the policy by recorded delivery to you at your last known address.
YOUR IMPORTANT CONTACT NUMBERS
FOR MEDICAL SCREENING CALL ON 0330 024 9949

Make sure you have all your medical information and medication details and policy number to hand. Open 8am 9pm Mon-Fri , 08.30am 5pm Saturday-Sunday
TO MAKE A CLAIM
on the policy please visit www.travel-claims.net or call 0203 829 3 815. Open 9am-5pm Monday-Friday.
FOR LEGAL ADVICE

please contact Slater & Gordon LLP 0161 228 3851 or fax 0161 909 4444 Open 9am-5pm Monday-Friday
IN CASE OF A SERIOUS EMERGENCY

please contact the 24hour emergency assistance service provided by Emergency Assistance Facilities
+44 (0) 0203 829 3 816
Call an ambulance using the local equivalent of a 999 number and then contact Emergency Assistance Facilities to offer you advice. We strongly suggest you put their telephone number +44 (0) 203 829
3 816 into your mobile phone before you travel so that it is to hand if you need it. Get details of the hospital you are being taken to so that our Emergency Assistance Facilities doctor will be able to obtain
a medical report at the earliest possible opportunity. You may need to pay the policy excess locally and ask the hospital to send the rest of their bills to Travel Claims Facilities at: 1 Tower View, Kings Hill,
West Malling, Kent, ME19 4UY. Our appointed assistance service, Emergency Assistance Facilities will explain this to them and provide them with a faxed/email confirmation if necessary.
You will need to have some basic information for them to hand:
Things to be aware of/remember
your telephone number in case you are cut off.
your policy does not cover any costs private medical treatment unless authorised by us.
patients name, age and as much information about the medical situation as possible.
NEVER give your passport to a clinic or hospital.
name of the hospital, ward, treating doctor and telephone numbers if you have them.
It is not always possible to return home immediately after discharge following injury or illness,
you will be able to return home when the assistance service considers it safe and airline
tell them that you have Goodtogoinsurance.com Travel Insurance, policy number and the date
regulations have been met. Sometimes you will need to stay in resort for a while longer before
it was bought and the patients UK GP contact details in case they need further medical
returning home so the assistance team will arrange additional accommodation for you.
information.
OUT-PATIENT TREATMENT OR MINOR INJURY OR ILLNESS

If you need to see a doctor ask your hotel reception or tour representative for the nearest public/state medical facility, Some hotels will urge you to seek private treatment, however this is not necessary,
private medical facilities vary greatly and are not equipped to deal with all emergencies, they may give you unnecessary treatment and at inflated prices- if you are ever in doubt please call the assistance
team for advice on where to seek treatment. In Europe you should show them your EHIC card, medical treatment will be free or at a reduced cost and you will not be required to contribute towards the
claim as the standard policy excess will be reduced to NIL (increased excesses applied to declared conditions will still be required to be paid, if related to the cause of you requiring medical treatment). You
will only be covered for the cost of private treatment if this is approved in advance by Emergency Assistance Facilities. If your outpatient bill is less than 500 then you will need to pay this to the medical
facility, and ensure you keep all receipts so you can claim upon your return. In the event that you need to seek outpatient treatment when you are travelling in any of the countries listed below then it may
be that immediate payment can be arranged locally using the services of Charge Care International whom we have appointed to act on our behalf. To take advantage of this service please show the treating
doctor or clinic the logo printed here as this will enable then to identify our membership and avoid language difficulties. If the hospital you are treated at subscribes to this service they will ask to see your
proof of insurance so it is important to carry this with you. You will be asked to complete a simple Charge Care form to confirm the nature of the treatment received. The doctor or clinic will collect the policy
excess from you and send their bill to Charge Care for payment. The countries where this service is available are: Greece and the Greek Islands, Cyprus, Bulgaria, Egypt, Mexico and Turkey.
www.chargecareinternational.co.uk
WHAT IF YOU WANT TO COME HOME EARLY?

This policy covers you to come home early because you are ill or injured, only if medical treatment is not available locally. If you are thinking of cutting short your trip because you are not well then you must
contact Emergency Assistance Facilities on +44 (0) 203 829 3 816 for advice first. If you need to come home for any other reason, such as the illness of a close relative in the UK then you should make
your own arrangements, bearing in mind your duty to act at all times as if uninsured. If you are not sure whether your circumstances are included in the cover then call Travel Claims Facilities.
HEALTH/EXISTING MEDICAL CONDITIONS
Page 4
This policy is primarily designed for travellers with existing medical conditions and their travelling companions. For the purposes of this insurance, you are considered to have an existing medical
condition if you answer Yes to any part of the following question, which you were asked when you applied for insurance with us:
Have you, or are you, or anyone in your party;
taken any prescribed medication, or received any medical treatment in the last 2 years;
attended a medical practitioners surgery, or hospital or clinic (out-patient or in-patient) in the last two years;
awaiting medical treatment or investigation;
been diagnosed by a medical practitioner as suffering from a terminal illness.
NOTE: All existing medical conditions must be disclosed as well as any previous medical conditions which could have an impact on your current health
PLEASE NOTE:
You must be fit to undertake your planned trip;

You must not travel against medical advice or with the intention of obtaining medical treatment or consultation abroad;
We will cover you for existing medical conditions you have declared to us and which we have accepted in writing. These medical conditions are set out in the Medical Declaration;
You must declare all existing medical conditions as well as any previous medical conditions which could have an impact on your current health. If you declare some existing conditions and
not others your policy may be cancelled or treated as if it never existed and or your claims may be rejected or not fully paid.
We will not cover you if your state of health was worse than you declared to us at the time you purchased this policy;
Please check that the information set out in the Medical Declaration is correct. If not, you must call goodtogoinsurance on 0330 024 9949 to tell us. If the information is incorrect your
policy may be cancelled or treated as if it never existed and or your claims may be rejected or not fully paid.
Your policy may be cancelled or treated as if it never existed and or your claims may be rejected or not fully paid if a claim is made relating to a medical condition, illness or injury of the
Insured Person(s), or any person who your travel depends on, which you or they knew about before you bought this insurance, or which develops before your outward journey where we
have not been notified.
NON-TRAVELLING RELATIVES
If you have a non-travelling close relative with an existing medical condition who dies or falls seriously ill, and as a result you wish to cancel or curtail your trip, you will be covered only if the
relatives Medical Practitioner states that at the time insurance was taken out he/she would not have foreseen such a serious deterioration in his or her patients condition.
WAITING LIST
If you are currently on a waiting list for treatment or investigation, our policy will not provide cover for Cancellation or Curtailment under the following circumstances:
You receive an appointment for treatment or investigation which conflicts with your planned trip, or
As a result of the awaited treatment or investigation you become unable to travel on your planned trip.
Being on a waiting list for treatment or investigation does not affect cover whilst you are away for medical conditions which have been declared to, and agreed by us. Should you become
aware of a change in your diagnosis before you travel, please notify us immediately. If you are awaiting an initial diagnosis for symptoms you are currently experiencing, we are unable to
confirm cover until you have a confirmed diagnosis.
CHANGE IN CIRCUMSTANCES
If you suffer an injury, illness or change in your current existing medical condition(s), including any changes to medication, after taking out this insurance but before starting your trip (this is known
as a change in circumstance) you will only be covered by Section A, cancellation cover of this policy. Any change in circumstances must be notified to us and accepted in writing.
TO DECLARE A CHANGE IN YOUR CIRCUMSTANCES, YOU MUST CONTACT US DURING OFFICE HOURS ON 0330 024 9949 TO SEE IF WE CAN PROVIDE COVER FOR YOUR TRIP.
WE may in the light of such changed circumstances not be able to continue cover under sections A and B of this insurance. If this is not acceptable to you, we will cover you for any loss of deposit
or cancellation charges you have necessarily incurred up to the date of the change of circumstances that are normally covered under Section A of this insurance. In these circumstances no Policy
excess will be applied.
HOW YOUR POLICIES WORK

YOUR
POLICY
WORDINGS
CANCELLING
YOUR
POLICIES
BE
CAUTIOUS
PREGNANCY
MEDICAL
COVER
EHIC
MEDICARE
EXCESS
Page 5
Your insurance document shows details of both pre-travel and travel insurance policies, including the sections of cover, limits, conditions, exclusions, and information on what to do if you
need to claim. The policy is a legal contract between us and you. We will pay for any insured event, as described in the policy, that happens during the period of validity and for which you
have paid the appropriate premium. Travel insurance policies have specific requirements for both purchasing and making successful claims. Please take the time to read and understand it
straight away as not all policies are the same. All risks which are covered are set out clearly in sections with conditions, limits and exclusions (things which are not covered); if your
circumstances do not fit those specified then there is no cover in place.
You have a cooling off period where, should you decide that you find that the terms and conditions do not meet your requirements and provided you have not travelled or
claimed on the policy, you can advise Goodtogo.com within 14 days of purchase for a full refund to be considered. Should you wish to cancel your policy outside of the 14 day
cooling off period, and can confirm that there have been no claims on the policy and that you have not travelled, in addition to a 10 administration charge; the following
cancellation terms will be applied dependant on what type of policy you have purchased.
Single Trip policies-In the event you have not travelled and are not claiming on the policy, a refund of 70% of the policy premium and any additional premium applied (on a pro-rota basis).
If you have travelled or are intending to claim, or have made a claim (irrespective of whether your claim was successful or not) we will not consider refunding any proportion of your premium.
Annual Multi Trip policies- Provided you have not made a claim (irrespective of whether your claim was successful or not) on the policy and you confirm in writing that there is no claim
pending, should you chose to cancel and understand that all benefits of the policy will be cancelled, we will refund the total premium paid, for each full calendar month remaining on the policy
from the date of cancellation. If you are intending to, or have claimed (irrespective of whether your claim was successful or not) we will not consider refunding any proportion of your premium.
We reserve the right to give 7 days notice of cancellation of this policy, without refund, by recorded delivery to you at your last known address in the event of the following
circumstances; fraud, suspected fraud, misleading information or deliberate misrepresentation, abusive behaviour to any of our staff or agents.
This policy is designed to cover most eventualities whilst you are on your trip. It does not provide cover in all circumstances and we expect that you take all possible care to safeguard against
accident, injury, loss or damage as if you had no insurance cover.
Travelling When Pregnant - Pregnancy is not a medical condition, so you are able to travel until you are quite late into your pregnancy. Our policies include emergency medical expenses
cover for pregnancy and childbirth from week 0 to week 28 whilst you are away. From the start of week 29 to week 40 of the pregnancy, there is no cover for claims relating to normal
pregnancy and normal childbirth or cancellation, however, medical expenses and cancellation cover can be provided if complications arise. 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 Medical Practitioner 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 Medical Practitioner 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 women beyond 32 weeks.
By Car, Coach and Train - There are no known restrictions. Please make sure your Medical Practitioner or Midwife are aware of your travel plans and that there are no known complications
General Note - Please note we will not cover denial of boarding by your carrier so you should check that you will be able to travel with the carrier/airline in advance. It is
essential if at the time of booking your trip you are aware that you are pregnant that you ensure that you are able to have the required vaccinations for that trip; no cover will
be provided for cancellation in the event that after booking you discover travel is advised against or you are unable to receive the appropriate and required vaccinations for
that country.
Your travel policy is not private health insurance, in that it only covers unavoidable, unexpected emergency treatment. You need to check that you have had all the recommended vaccinations
and inoculations for the area you are travelling to. If you have an existing medical condition accepted by Good to Go it is a requirement that you check with your doctor that it is safe for you
to travel bearing in mind your method of travel, the climate and the availability and standard of local medical services in your chosen destination. It is often wise to carry additional supplies
of your regular prescribed medications in your hand luggage in case your bags are delayed. Cover will not be given if travel is against the advice of your doctor.
The European Health Insurance Card (EHIC) allows you (provided you are a UK resident) to access state-provided healthcare in all European Economic Area (EEA) countries
and Switzerland at a reduced cost and in many cases free of charge. We strongly recommend that you carry it with you when travelling abroad. Remember to check your EHIC is still
valid before you travel. Applying on www.ehic.org.uk for the card is free and it is valid for up to five years. If your EHIC is accepted whilst obtaining medical treatment abroad your policy
excess will be reduced to Nil (with the exception of increased excess relating to declared medical conditions). If you are travelling outside the EEA then there are some countries that have
reciprocal agreements with the UK and these can be found on http://www.nhs.uk/NHSEngland/Healthcareabroad/countryguide/NonEEAcountries/Pages/Non-EEAcountries.aspx
If you are travelling to Australia you must register with Medicare on arrival. There is a Medicare office in all major towns and cities in Australia. Registration is free and this will entitle you to
reduced medical charges from doctors, reduced prescription charges and access to Medicare hospitals.
Your policy carries an excess and this is the amount you have to contribute towards each claim. All excesses shown for this policy are payable by each insured-person, per section and for
each incident giving rise to a separate claim
Page 6
DEFINITIONS- Where these words are used throughout your policy they will always have this meaning:
AUSTRALASIA
BUSINESS
ASSOCIATES
Australia and New Zealand.

a business partner, director or
employee of yours whose absence
from work necessitates you having to
cancel your trip as certified by your
senior Director or Partner.
BUSINESS
SAMPLES
business
goods,
samples
and
equipment taken on an insured
journey by an insured person that are
owned by you or your employer.
CHANGE IN
HEALTH
Any deterioration or change in your

health between the date the policy was
bought and the date of travel, this
includes, new medication, change in
regular medication, deterioration of a
previously stable condition, referral to
a specialist, investigation of an
undiagnosed condition or awaiting
treatment/consultation.
CHANNEL
ISLANDS
Jersey, Guernsey, Alderney, Sark ,

Herm, Jethou, Brecqhou and Lihou.
CLOSE
RELATIVE
spouse or partner of over six months,

parents,
grandparents,
legal
guardians,
parents-in-law,
stepparents, aunt, uncle, brother, sister,
child (including fostered/adopted),
step-child grandchild, niece, nephew,
cousin or fianc(e).
CURTAILMENT
the cutting short of your trip by your

early return home or your repatriation
to a hospital or nursing home in your
home country. Payment will be made
on the number of full days of your trip
that are lost from the day you are
brought home.
ESSENTIAL
ITEMS
underwear, socks, toiletries and a change of

clothing.
EUROPE 1
continent of Europe west of the Ural Mountains,

including Republic of Ireland, Isle of Man,
Chanel Islands and all countries bordering the
Mediterranean Sea, as well as Madeira, the
Azores, but excluding Spain, the Canaries,
Turkey, Cyprus, Malta, Egypt, Israel, Libya,
Algeria, Jordan, Syria and Switzerland.
EUROPE 2
EXISTING
MEDICAL
CONDITION
As Europe 1, but including Spain, the Canaries,

Turkey, Cyprus, Malta and Switzerland.
You are considered to have an existing medical
condition if you answer Yes to any of the four
questions stated on our Health/ Existing
Medical Conditions (Page 4).
FLIGHT
a service using the same airline or airline flight

number.
HOME
Your permanent residence in the United

Kingdom or the Channel Islands.
HOME COUNTRY
INSURED
PERSON/YOU/
YOUR
INTERNATIONAL
DEPARTURE
POINT
the airport, international rail terminal or

port from which you departed from your
home country to your destination, and
from where you depart to begin the final
part of your journey home at the end of
your trip.
RELEVANT
INFORMATION
a piece of important information that

would increase the likelihood of a claim
under your policy.
MANUAL
LABOUR
work involving the lifting or carrying of

heavy items in excess of 25Kg, work at
a higher level than two storeys or any
form of work underground.
MOBILITY
EQUIPMENT
Wheelchair, motorised wheelchair,

mobility
scooter,
walking
frame,
prosthetic limb, walking stick or crutches
PAIR OR SET
two or more items of possessions that

are complementary or purchased as one
item or used or worn together.
ON PISTE
Piste skiing, including skiing on areas in

and around the resort, but off the actual
marked pistes, such as skiing on a
hillside between marked pistes, or skiing
down slopes adjacent to marked runs,
but always finishing at the bottom of
tows or lifts with the resort and never in
areas cordoned off or restricted. All
other areas are considered as off piste
and therefore require purchase of an
additional activity pack.
CASH
Sterling or foreign currency in note or

coin form.
both the United Kingdom the Channel Islands
any person named on the insurance certificate.
DEFINITIONS CONTINUED
POSSESSIONS
VALUABLES
GADGETS
Duty free
Shoes
each of your suitcases and

containers of a similar nature and
their contents and articles you are
wearing or carrying:
Jewellery, articles made of gold,
silver or other precious metals,
precious or semi-precious stones,
watches, binoculars, telescopes,
photographic
equipment,
electronic
audio
or
video
equipment
including
tapes,
compact discs, cartridges, discs,
MP3/4 or mini-disc players, ebook
readers, musical instruments, furs,
or leather clothing, (excluding
footwear).
Page 7
PUBLIC
TRANSPORT
buses, coaches, internal flights or trains that

run to a published scheduled timetable.
SCHEDULED
AIRLINE
an airline that publishes a timetable and

operates its service to a distinct schedule and
sells tickets to the public at large, separate to
accommodation
and
other
ground
arrangements.
SKI EQUIPMENT
skis, ski bindings, ski sticks, ski boots, board

boots, snowboard bindings and snowboards.
SKI PACK
ski pass, ski lift pass, ski hire and ski school
fees.
SPORTS AND
ACTIVITIES
any recreational activity that requires skill and

involves increased risk of injury.
Mobile phones, i-pods, i-pads,

tablet computers, e-readers, MP3
players, SAT NAV, cassette
players/CD players, computer
game
machines
and
any
equipment used with them such as
CDs, games, tapes, cassettes or
cartridges.
If you are taking part in any sport/activity

please refer to page 34 where there is a list
of activities informing you of which
activities are covered on the policy as
standard. Should the activity you are
participating in not appear it may require
an additional premium so please call us:
Please call us on 0330 024 9949
8am - 9pm Monday to Friday
8.30am - 5pm Saturday and Sunday
any items purchased at duty free.
REDUNDANCY
being an employee where you

qualify under the provision of the
Employment Rights Acts, and who,
at the date of termination of
Employment
by
reason
of
redundancy, has been continuously
employed for a period of two years or
longer and is not on a short term
fixed contract.
TRIP
a holiday or journey that begins

when you leave home and ends on
your return to either (i) your home,
or (ii) a hospital or nursing home in
the United Kingdom or Channel
Islands, following your repatriation.
both during the period of cover.
UNATTENDED
left away from your person where

you are unable to clearly see and are
unable to get hold of your
possessions.
UNITED KINGDOM
United Kingdom - England, Wales,

Scotland, Northern Ireland and the
Isle of Man.
WE/OUR/US
WINTER SPORTS
boots, shoes, trainers and sandals.

TRAVEL
DOCUMENTS
current passports, ESTAs, valid visas, travel

tickets, European Health Insurance Cards
(EHIC) and valid reciprocal health form S2.
RESIDENT
means a person who has had their main home

in the United Kingdom or the Channel Islands
and has not spent more than six months
abroad in the year before buying this policy,
and is registered with a UK GP.
WORLDWIDE 2
WORLDWIDE 1
(EXCLUDING USA,
CANADA &
CARIBBEAN
Union Reiseversicherung AG UK.

skiing, snowboarding and ice
skating, big foot skiing, cross
country/Nordic skiing, dry slope
skiing, sledging, snowmobiling,
snow kiting, snow shoeing
anywhere in the world.
anywhere excluding the United
States of America, Canada and the
Caribbean & Greenland
Conditions and Exclusions applying to your policies
Page 8
Below are some important conditions and exclusions which apply to your pre travel and travel policy, it is recommended that you read this along with the conditions
for each section of your policies, this will make sure that you are aware of any conditions which may affect your circumstances or likelihood to claim.
APPLYING TO ALL SECTIONS OF YOUR POLICIES: You are not covered under any section, unless specified, for any of the following circumstances:
Any trip under an annual multi-trip policy that exceeds 31 days duration. This
includes not insuring you for part of a trip which is longer than 31 days.
Any costs incurred before departure (except cancellation and scheduled airline
failure) or after you return home.
More than the proportionate cost of your trip and any claim against the policy (all
sections) where you have not insured for the full cost of your trip.
Loss of earnings, additional hotel costs, additional car hire, Visas, ESTAs,
additional parking fees, vaccinations, inoculations, kennel fees or any other loss
unless it is specified in the policy.
The cost of taxi fares, telephone calls, faxes or any expenses for food or drink.
Any claim arising directly/indirectly from you failing to provide full and accurate
information including full details of medical conditions or changes to your health
or anyones health on which the trip depends, known by you at the time of buying
this policy or which occurs between booking and before you travel unless it has
been disclosed to us and we have agreed in writing.
The operation of law, or as a result of an unlawful act or criminal proceedings
against anyone included in your booking, or any deliberate or criminal act by an
insured person.
Any existing medical condition or health condition that has been diagnosed, been
in existence or for which you have received treatment from a hospital or specialist
consultant or for which you are awaiting or receiving treatment or under
investigation, unless we have agreed cover in writing and any additional premium
has been paid. (see Health / Existing Medical Conditions)
Manual labour (see policy definition page 6).
You piloting or travelling in an aircraft not licensed to carry passengers.
You travelling on a motorcycle or moped for which you do not hold a full licence to ride in
your home country. If you are riding pillion, the rider must also hold a full UK licence.
Wintersports of any kind unless the appropriate premium has been paid
You travelling on a motorcycle or moped without wearing a crash helmet, whether legally
required locally or not and unless the appropriate additional premium has been paid (if
applicable)
Any payments made or charges levied after the date of diagnosis of any change in your
health or medication after the policy was bought unless this has been advised to us and
any revised terms or conditions have been confirmed in writing.
Your suicide, self-injury, reckless behaviour or any wilful act of self-exposure to danger
or infection/injury (except where it is to save human life).
In respect of all sections other than emergency medical expenses, war, terrorism,
biological or chemical warfare, invasion, act of foreign enemy, hostilities (whether war has
been declared or not), civil war, rebellion, revolution, insurrection or military or usurped
power.
The cost of any elective (non-emergency) treatment or surgery, including

exploratory tests which are not directly related to the illness/injury which
necessitated your admittance into hospital.
Participation in any sports and activities unless the appropriate additional premium has
been paid and the policy endorsed. (see definitions for sports and activities page 8)
Any claim due to your carriers refusal to allow you to travel for whatever reason.
Delay, confiscation, detention, requisition, damage, destruction or any prohibitive

regulations by Customs or other government officials or authorities of any
country.
You travelling against the advice or recommendations published by the Foreign

and Commonwealth Office applicable at the time of your departure.
Your failure to obtain the required passport, visa or ESTA.

You, your travelling companion close relative or business associate being under the
influence of drugs (except those prescribed by your registered doctor but not when
prescribed for treatment of drug addiction), alcohol (a blood alcohol level that exceeds
0.19% approximately four pints or four 175ml glasses of wine) or solvents or anything
relating to you or your close relatives or business associate prior abuse of alcohol or
solvents.
Any claim that is due to any failure (including financial) of your travel agent or tour
operator, any transport or accommodation provider, their agent or anybody who is acting
as your agent, unless specified.
Any costs which are due to any errors or omissions on your travel documents.
Cancellation (Policy A Section 1)

We will pay:
If you are unable to travel because:
Up to the amount shown in the

Schedule of cover for your portion of
prepaid:
i.
transport charges,
ii.
loss of accommodation,
iii.
foreign car hire
iv.
Pre-booked excursions up
to a maximum 250
that you have paid or have agreed to
pay, that you cannot recover from
any other source, following your
necessary cancellation after you
purchased this insurance resulting in
financial loss
(course charges, or tuition fees are not
included unless agreed in writing by us).
you or a travelling companion is ill, quarantined,

injured or dies before the trip starts.
Or
a close relative or a close business associate in

your home country is ill, injured or dies before the
trip starts.
Or
the person you are going to stay with is ill, injured

or dies before the trip starts.
Or
your passport, or the passport of any person you

were intending to travel with being stolen during the
seven days before your booked date of departure;
Up to 1,000
your carer (provided he or she is insured on this

policy) having to cancel his/her trip with you due to
one of the reasons stated above. If you wish to
continue your trip, we will pay up to 1,000 in total
for the costs of extra accommodation and transport
to replace your original carer;

Schedule of cover for your portion of
prepaid:
i.
transport charges,
ii.
loss of accommodation,
iii.
foreign car hire
iv.
Pre-booked excursions up
to a maximum 250
that you have paid or have agreed to
pay, that you cannot recover from
any other source, following your
necessary cancellation after you

purchased this insurance resulting in
financial loss
(course charges, or tuition fees are not
included unless agreed in writing by us).
you are required for jury service or as a witness in

a court of law.
you or a travel companion being made redundant.
Page 9
Provided you:
If you need to claim:
have paid or accept that your excess will be deducted from any
settlement.
Download or request a
have complied with the health declaration on page 4 and cancellation
cancellation claim form
is not due, or caused by, an existing medical condition unless we have
and ensure that the
agreed cover, and additional premium has been paid.
medical certificate in the
accept that there is no cover for cancellation due to any elective or precancellation claim form is
arranged treatment, this includes being given a date for treatment
filled by the General
which coincides with your trip dates, as well as complications as a result
Practitioner of the persons
of elective, pre-arranged or cosmetic treatment, unless declared and
accepted by us in writing.
whose injury, illness or
have obtained a written statement from the treating doctor at the time
death has caused the
of the cancellation confirming the necessity to cancel your trip.
cancellation. As well as
accept that your claim is limited to the cancellation charges applicable
providing
the
claims
on the date the GP initially diagnosed or investigated the condition, or
handlers
with
required
at the point a declared existing condition deteriorated and required
documentation as listed on
medical attention, or referral. No payments/cancellation charges after
the front of your claim form.
this date will be reimbursed.
are not cancelling due to the death, injury or illness of any pets or
animals.
Inform
your
tour
accept that we can only offer to medically screen and extend cover for
operator/travel agent/flight
existing medical conditions to our own policyholders so if any of the
company immediately of
following people cause you to cancel because of a reoccurrence or
your necessity to cancel
complication of a medical condition diagnosed prior to booking, you will
and request a cancellation
not be covered:
invoice.
o
a travel companion not insured by us.
o
a business associate of you or your travel companion.
are not claiming for the cost of Air Passenger Duty (or equivalent),
airport charges and booking charges, or any payments or part payment
made were using frequent flyer vouchers, Air Miles vouchers or other
vouchers that have no financial face value.
have reported the theft to the relevant authority and have proof of such.
are not cancelling due to a criminal act committed by you or where
Provide us with your
you are the defendant in the court case.
original summons notice.
are not claiming due to financial circumstances or unemployment
Obtain written
except when it is due to a compulsory redundancy notice which you
confirmation to validate
received after buying this insurance, and continuous employment for
your circumstances.
two years. (see definition-redundancy)
Your private dwelling becoming uninhabitable

following fire, storm or flood, or your presence being
required following a burglary occurring at any time
after we have accepted this insurance
have obtained a written statement from the police at the time of the
cancellation confirming the necessity to cancel your trip.
of the requirements of HM forces.
have been granted leave orders (and these have not been withdrawn
by your employer on disciplinary grounds).
Have obtained an independent report confirming your private dwelling

is uninhabitable
Obtain written
your circumstances.
Obtain written
your circumstances.
Page 10
BE AWARE! No cover is provided under this section due to;
anything mentioned in the conditions or general exclusions (page 8)
the fear of an epidemic, pandemic, infection or allergic reaction.
your disinclination to travel or any circumstance not listed above.
your carriers refusal to allow you to travel for whatever reason.
for claims arising from normal pregnancy, without any accompanying bodily
injury, illness, disease or complication. Normal Childbirth would not constitute an
unforeseen event. Please see Page 5.
the cancellation of your trip by the tour operator.

a previously diagnosed condition of any business associate.
your failure to report the theft of your passport to the relevant authority.
your failure to obtain required ESTA or Visa in time.
the advice or recommendation of the Foreign and Commonwealth Office applicable at the time of your
departure.
we will NOT pay for the excess shown in the schedule of cover and limits per insured person
your failure to produce a medical certificate from a medical practitioner confirming that the cancellation
of the trip is medically necessary.
Curtailment (Policy B Section 1)

We will pay:
schedule of cover for
transport charges,
loss of accommodation
that you have paid or agreed to pay
and that you cannot recover from
any other source following your
necessary cutting short of your
trip.
(course charges, or tuition fees are
not included unless the appropriate
extension has been purchased).
PLEASE NOTE Your unused
proportion of trip costs will be
calculated in full days lost from the
date of your return journey home.
For:
your early return home because of the
death, injury or illness of:
You or a friend with whom you are

travelling.
A close relative who lives in your home

country.
A close business associate who lives in

your home country.
Provided you are not claiming for:
Or
you, a friend or close relative who is

travelling with you being required in your
home country for jury service or as a
witness in a Court of Law,
Or
you, a friend or close relative or carer who

is travelling with you being called back by
the Police after your home, or the home in
your home country of your friend or close
relative, or usual place of business in your
home country, having suffered from
burglary, serious fire, storm or flood.
Or
your early return home because of the

death, injury or illness of a friend who lives
abroad and with whom you were
intending to stay with.
If you need to claim
any payment where you have not suffered any financial loss.
If you need to cut short your trip:

coming home due to an existing medical condition of you, a
non-travelling close relative or travelling companion, unless due to a medical necessity you
declared and accepted by us in writing.
must ring to confirm this with our
any costs where you have not paid your excess.
24 hour medical helpline .
the cost of Air Passenger Duty (or equivalent), airport charges
and booking charges, or any payments or part payment made
were using frequent flyer vouchers, Air Miles vouchers or
other vouchers that have no financial face value.
+44 (0) 203 829 3 816

Curtailment claims will not
otherwise be covered.
any claim due to the death, injury or illness of any pets or

animals.
the withdrawal of previously approved leave by your employer
unless it is due to the death or serious illness of a close
business associate.
any unused portion of your original ticket where you have

been repatriated.
coming home early due to the fear of an epidemic, pandemic,
infection or allergic reaction.
curtailment cover where the trip is of 2 days duration or less

or is a one-way trip.
the operation of law or as a result of an unlawful action or

criminal proceedings against you or anyone included in your
booking.
the curtailment of your trip by the tour operator.

curtailment due to financial circumstances.
If you need to come home early

for any other reason please call
this number:
+44 (0) 203 829 3 816
to ensure your circumstances are
covered under your policy.
Download or request a claim
form for Curtailment and
complete to the best of your
ability enclosing all required
documentation as listed on the
front of the claim form.
You should keep any receipts or
accounts given to you and send
them in to the claims office.
Page 11
BE AWARE! If you need to come home early you MUST contact our emergency assistance service who will be able to assist you- no cover is available for cutting short your trip unless
the emergency medical assistance service have agreed. Please also note curtailment claims are calculated from the day you return home and no payment is made for loss of enjoyment
however caused.
No cover is provided under this section for:
Coming home early due to an existing medical condition of you or a travelling companion included on your booking, where the risk attaching to that medical condition has not been accepted by
us in writing.
Coming home early due to death or illness of a close relative or close business associate caused by an existing medical condition or a known complication of it.
Any claim not supported by a detailed letter/certificate from the treating doctor explaining why your early return was medically necessary.
For claims arising from normal pregnancy, without any accompanying bodily injury, illness, disease or complication. Normal Childbirth would not constitute an unforeseen event. Please see
Page 5.
Missed Departure and Travel Delay (Policy B Section 2 )

We will Pay:
If:
Provided:

Schedule of Cover
the airline on which you are booked becomes insolvent after

your departure from your home country.
the departure of your international flight, international train
or sailing is delayed for more than 12 hours from its
scheduled departure time from your international departure
point.
you are not claiming for additional expenses if you are forced to
cut short your trip or any expenses for loss of accommodation,
loss of car hire expenses, loss of excursions or any loss not
specified in the policy.
you are at the airport/port/station and the delay is over 12 hours.
delay is not due to the diversion of aircraft after it has departed

Schedule of Cover
after 12 hours of delay at the airport of your outbound

journey from your home country you abandon the trip.
your trip is not less than 2 days duration or is a one-way trip.

your excess has been paid or deducted from any settlement.
the vehicle in which you are travelling to your international

departure point becomes undrivable due to mechanical
failure or being involved in an accident or your public
transport is delayed, preventing you from being able to
check-in on time for your outward departure from the United
Kingdom, or your connecting flight.
you have allowed sufficient time to check-in as shown on your

itinerary.
the claim is not due to the failure of public transport services
that is due to a strike or industrial action that started or that had
been announced before the date of your departure from home.
Any costs where you have not paid your excess.

Schedule of Cover

Download or request
and
complete
a
departure delay claim
form.
Obtain
written
confirmation
from
your airline, railway
company,
shipping
line or their handling
agents that shows the
scheduled departure
time,
the
actual
departure time and
reason for the delay
of
your
flight,
international train or
sailing.
BE AWARE! No cover is provided under this section for:
any compensation when your tour operator has rescheduled your flight itinerary or the airline/railway company/shipping line/handling agents offer or provide alternative transport that departs
within 12hrs or where you being able to obtain a refund from any other source, where your scheduled airline is bonded or insured elsewhere or where you have paid for the flight by credit card
and can claim a refund from credit card provider, even if the payment is insufficient to meet your claim.
Your scheduled airline being in administration or, in the USA and Canada, in Chapter 11 at the time of taking out your policy.
Unless you obtain confirmation from the police/motoring authorities to confirm a major accident on a motorway causing delays or closure on the motorway.
Unless you obtain confirmation of the delay from the authority who went to the accident or breakdown affecting the car in which you are travelling in
If you do not check in for your flight, sea crossing, coach or train departure before the intended departure time
Any claims arising from withdrawal of service temporarily or otherwise
Personal Accident (Policy B Section 3)

We will pay
A single payment as
shown on your
summary of cover
For:
Your accidental bodily injury, that independently of any
other cause, results in your:
Death (limited to 1500 when you are under 16 or over

75 at the time of incident).
Page 12
Provided:
you have not deliberately exposed yourself to danger and that the
incident is due to an accident and not illness or infection.
you are not 16 or under or over 75 and claiming permanent
disablement.
you are not claiming for more than one of the benefits that is a
result of the same injury.

Download or request a claim
form for Personal Accident
immediately and complete to
the best of your ability.
In the event of death we will
Total and permanent loss of sight in one or both eyes

require sight of an original copy
or total loss by physical severance or total and
of the death certificate, for other
permanent loss of use of one or both hands or feet.
claims please write describing
the circumstances of the
Permanent and total disablement from engaging in paid

accident and its consequences,
employments or paid occupations of any and every kind
and you will be advised what
all occurring within 12 months of the event happening.
further
documentation
is
required.
BE AWARE! This is a one off lump sum benefit for the death or very serious incapacity, as specified, of an insured person when this is solely caused by an accident occurring during
the period of insurance. It is quite separate from costs covered under the medical section (Where you are not in paid employments or occupations, this shall be defined as all your usual
activities, pastimes and pursuits of any and every kind.)
any payment for permanent disablement when your age under sixteen (16) or over seventy five (75) at the time of the incident
Your sickness, disease, medical condition, treatment, illness or physical or mental condition that is gradually getting worse.
An injury which existed prior to the commencement of the trip
Any claims not notified to us within 12 months of the date of the accident.
Medical & Repatriation Expenses (Not Private Health Insurance) (Policy B Section 4)
For trips outside & Inside your
home country:
up to the amount shown in the
schedule of cover for trips outside
your home country OR up to
1,000 inside your home country
following necessary emergency
expenses that are payable within
six months of the event that
causes the claim that results from
your death, injury or illness:
Public hospital benefit up to the

amount shown in the schedule of
cover
Up to 300 for the loss of
medication
Page 13
For:
customary and reasonable fees or charges

to be paid outside your home country for
medical, surgical, hospital nursing home or
nursing services.
additional travel, accommodation and

repatriation costs to be made for or by you
and for any one other person who is required
for medical reasons to stay with you, or a
child who requires an escort to travel to you
from your home country or to travel with you,
where it is deemed medically necessary.
your death outside your home country for

your burial or cremation, including the cost of
returning your ashes home or the return of
your body to your home in the UK or local
funeral expenses abroad limited to 1,500
each 24 hour period that you are in a public

hospital as an in-patient during the period of
the trip in addition to the fees and charges.
Provided you are not claiming for:

any costs where you have not paid yourexcess.
treatment due to, or a complication of, an existing medical
FOR MEDICAL EMERGENCIES
condition unless we have agreed cover in writing and any
additional premium has been paid.
+44 (0) 203 829 3 816
any elective or pre-arranged treatment or any routine nonemergency tests or treatment, this includes complications as a
result of elective, pre-arranged or cosmetic treatment.
Call our 24 hour medical helpline
24 hours a day, 7 days a week,
costs of private treatment unless our 24 hour medical helpline
from anywhere in the world
has agreed and adequate public facilities are not available.
replenishment of any medication you were using at the start of
Download or request a claim form
the trip, or follow up treatment for any condition you had at the
for Emergency Medical Expenses
start of your trip.
and complete to the best of your
the cost of early repatriation when medical treatment of a
ability.
standard acceptable by our medical director is available locally. For non-emergency cases, visits
the cost associated with the diversion of an aircraft due to your
to doctors, hospital outpatients, or
death, injury or illness.
pharmacies you must keep and
repairs to or for artificial limbs (please see section B8 Mobility
provide us with all (original)
Aids) or hearing aids( please see section B6 Personal
receipts accounts and medical
Property).
certificates.
the cost of diagnostic tests or treatment for any existing For cases where Emergency
condition other than that which has caused the immediate
Assistance
Facilities
were
The necessary and reasonable cost of
emergency.
informed
please
provide
(in
replacing essential medication lost or stolen any extra costs for single/private accommodation in a hospital
addition
to
the
above)
your
case
during your trip.
or nursing home.
number or name of the person you
any dental work involving the use of precious metals to or for
emergency dental treatment only to treat
spoke to.
the provision of dentures.
sudden pain limited to 350
A photocopy or scanned image of
any treatment or work which could wait until your return home.
your EHIC card.

schedule of cover
BE AWARE! Your policy is intended to cover immediate treatment in an emergency situation. We reserve the right to repatriate you immediately for treatment in your home country
when this is deemed to be preferable regardless of your original travel plans. All medical decisions are at the discretion of our medical director. It is essential for you to contact
Emergency Assistance Facilities prior being admitted anywhere, in this instance we may arrange for a local transfer to a hospital better equipped for your immediate needs.
Anything mentioned in the conditions or general exclusions (Page 8) (including any treatment, tests, associated illnesses to existing conditions and psychological disorders).
Any costs where you are an inpatient or it is a repatriation claim and our 24 hour assistance service, Emergency Assistance Facilities have not been notified or has not agreed the costs, we
reserve the right to decline associated costs.
Medication and/or treatment which at the time of departure is known to be required or to be continued outside your home country.
For expenses incurred as a result of a tropic disease where you have not had the recommended inoculations/ or taken the recommended medication
For claims arising from normal pregnancy, without any accompanying bodily injury, illness, disease or complication. Normal Childbirth would not constitute an unforeseen event. Please see
Page 5.
Services or treatment received by you, including any form of cosmetic surgery OR any treatment received by you after the date that in the opinion of our Emergency Assistance Facilities, in
consultation with your treating doctor, you can return home or which can reasonably wait until you return to your home country.
Additional Medical Expenses (Policy B Section 5)
Page 14
If you undergo surgery which is covered under Section 4 of this policy, involving a minimum in-patient stay of at least 5 days in a hospital outside the UK during your trip,
We will pay:
For:
Provided you:
Up to the amount shown
In the schedule of cover
and limits per day
Recuperation
holiday
for
travel
and
accommodation costs of another holiday to
recuperate from your surgery
take the trip within 3 months of your return the UK from the
trip
Download or request a claim form for

Emergency Medical Expenses and
complete to the best of your ability.
UK Medical Examination for necessary costs to

have a relevant medical examination following
an incident on holiday.
have the examination in the UK within 3 months of your return

to the UK from your trip
The necessary costs of employing a home help

or registered nanny
are hospitalised or need to stay in bed at home immediately
For non-emergency cases, visits to

doctors, hospital outpatients, or
pharmacies you must keep and provide
us with all (original) receipts accounts
and medical certificates.
The necessary costs of cosmetic surgery to

correct soft facial tissue damage caused by an
accident sustained during your trip
The necessary additional cattery or kennel costs

if you have to return home later than originally
booked.
after being repatriated on the advice of a registered medical

practitioner
it has been recommended by a medical practitioner
the injury was sustained during your trip.
have been delayed by medical reasons covered under

Section 4 Medical and Repatriation expenses
BE AWARE!
Anything mentioned in the conditions or general exclusions (Page 8)
for any claim which does not directly relate to an accident or illness suffered during your trip
for any costs which the emergency assistance company has not authorised
if you needed a home help or a registered nanny before you began your trip
For
cases
where
Emergency
Assistance Facilities were informed
please provide (in addition to the above)
your case number or name of the
person you spoke to.
A photocopy or scanned image of your
EHIC card.
Personal Property (Policy B Section 6)

We will pay:
Up to the amount as
shown on your schedule
of cover
Up to the amount as
of cover
For:
Personal Property
The intrinsic value or cost of repairing items
that are damaged whilst on your trip, up to the
original purchase price of the item, less an
allowance for age, wear and tear.
(i) For all valuables in total limited to the
amount shown in the schedule of cover
(ii) For any single article, pair and/or set of
articles limited to the amount shown in the
schedule of cover
(iii) For all prescription spectacles limited to
the amount shown in the schedule of
cover
(Please note: In the event of a claim for a pair or
set of articles we shall be liable only for the value
of that part of the pair or set which is lost, stolen,
damaged or destroyed)
Delayed Baggage
The purchase of essential items if your
luggage containing your possessions are
misplaced, lost or stolen on your outward
journey from your home country for over 12
hours from the time you arrived at your trip
destination. (Please note: that any amount we
pay you will be deducted from your claim if
your personal property proves to be
permanently lost)
Page 15
Provided you:
have paid your excess or accept it will be deducted
from any settlement.
have complied with the carriers conditions of carriage.
have notified the police, your carrier or tour operators
representative and obtained an independent written
report.
own the items you are claiming for and are able to
provide proof of ownership for any items over 50 in
value.
are not claiming for items which have been damaged
by a domestic dispute, atmospheric or climatic
conditions, age, wear, tear, moth or vermin, perishable
items and/or their contents i.e. food, liquids, gels etc.
are not claiming for possessions which have been lost
or stolen from a beach or lido (if so we will only pay a
maximum of 50).
have not left electrical Items, eyewear, hearing aids
jewellery & watches or photographic equipment
unattended (including being contained in luggage
during transit) except where they are locked in a safe
or safety deposit box where these are available (or left
out of sight in your locked holiday or trip
accommodation). This includes items left behind
following you disembarking your coach, train, bus,
flight, ferry or any other mode of transport.
have not left your possessions unattended away from
your holiday or trip accommodation unless left
between 6.00 am and 11.00 pm local time (during
daytime) in the locked boot or covered luggage area of
a motor vehicle where entry was gained by violent and
forcible means.
have obtained written confirmation of any loss,
damage or delay.

For all damage claims:
you should retain the items in case we wish to

see them, you will need to obtain an estimate for
repairs or a letter confirming that the damage is
irreparable.
For all loss or damage claims during transit:
(a) retain your tickets and luggage tags,
(b) report the loss or damage to the appropriate
carrier and obtain a Property Irregularity Report
(PIR) form or its equivalent within 24 hours.
For all losses
you should report to the Police as soon as

possible, and within 24 hours of discovery, and
obtain a written report and reference number
from them.
you should also report the loss to your tour

operators representative or hotel/apartment
manager wherever appropriate.
For delay claims
You must keep all receipts for these items and

send them in to us with your claim and any
amount paid will be deducted from the final claim
settlement if the items are permanently lost.
Any item with a purchase price in excess of

50 must be supported by original proof of
ownership. Any items not supported by such
Personal Money
Up to the amount as
proof of ownership will be paid at the
Your cash is limited to the amount shown on
maximum of 50 subject to an overall limit for
of cover
your schedule of cover and limits if it is lost or
all such items of 150.
stolen whilst being carried on your person or
We will only accept original purchase receipts for

left in a locked safety deposit box.
any items lost/stolen, these will not be returned
to you following settlement of your claim.
BE AWARE! Your travel insurance policy is not intended to cover items of high value, such as video camcorders, expensive watches etc, as these should be fully insured under your
house contents insurance on an All Risks extension for 365 days of the year. There is a maximum amount you can claim and a maximum amount in total for each category, and these
are shown under the possessions section. The possessions section only covers items that belong to you, is not new for old and an amount for age, wear and tear will be deducted,
you can find full details of our wear and tear scale published on our website at www.tif-plc.co.uk/wearandtear No cover is provided under this section for:
anything mentioned in the conditions or general exclusions (page 8) or any items that do not fall within the categories of cover listed.
Mobile phones, SIM cards, mobile phone prepayment cards, lost/stolen mobile phone call charges or mobile phone accessories, duty free items such as tobacco products, alcohol and perfumes.
Gadget Cover (Policy B Section 7) on payment of additional premium

We will pay:
in the schedule of cover
for your gadgets, with a
maximum amount for:
For:
Single article limit
500
CDs, games, tapes,

cassettes, or cartridges
50
Either
The cost of repairing your

gadgets that are accidentally
damaged whilst on your trip,
up to the original price of the
item, less an allowance for
age, wear and tear.
Or
The original price of the item,

less an allowance for age,
wear and tear, to cover items
that are stolen, permanently
lost or destroyed whilst on
your trip.
Up to 75
unauthorised calls if your

mobile phone is stolen.
Provided:
have paid your excess or accept it will be deducted from any settlement.
own the items you are claiming for and are able to provide proof of ownership.
are not claiming for items which have been damaged by a domestic dispute,
atmospheric or climatic conditions, age, wear, tear, moth or vermin, perishable items
and/or their contents i.e. food, liquids, gels etc.
you have not left your gadgets unattended (including being contained in luggage
during transit) except where they are locked in a safe or safety deposit box where
these are available (or left out of sight in your locked holiday or trip accommodation).
that you are not claiming for theft:

o from any commercial vehicle or convertible vehicle(both hard and soft topped
models).
o from any motor vehicle where someone acting on your behalf is not with the
vehicle, unless your gadget(s) has been concealed in a glove compartment,
locked boot, or other concealed internal compartment and all the vehicles security
systems have been activated.
o from any other type of transport.
your gadget(s) was not left unattended except where it is locked in a safe or safety
deposit box where these are available or left out of sight in your locked personal holiday
or trip accommodation;
from your person unless your gadget(s) was concealed on your person or taken from
you by force or violence, or the threat of force or violence;
any incident that has not been reported to the Police as soon as possible, and within
24 hours of discovery, and a written report and reference number obtained from them;
if your gadget(s) is carried in any suitcases, trunks or similar containers when left
unattended.
you are not claiming for:

o the cost of replacing any apps or downloads stored on the gadget
o the cost of replacing any music stored on the gadget
o the cost of replacing any unused credit on your mobile phone
Page 16
For all losses
you should report to the
Police as soon as possible,
and within 24 hours of
discovery, and obtain a
written
report
and
reference number from
them.
You should also report the
loss to your tour operators
representative
or
hotel/apartment manager
wherever appropriate.
you should retain the items
in case we wish to see
them, you will need to
obtain an estimate for
repairs
or
a
letter
confirming that the damage
is irreparable.
For all loss or damage claims
during transit:
report the loss or damage
to the appropriate carrier
and obtain a Property
Irregularity Report (PIR)
form or its equivalent within
24 hours.
BE AWARE! all electronic equipment reduces in value over time therefore where a gadget is replaced following a valid claim we will reduce the payment under this policy on a sliding scale as
follows: For items over 2 years old the price will be reduced by 10% per year, up to a maximum of 70% for items that are 9 years old or more
Anything mentioned in the general conditions or exclusions (page 8) or any items that do not fall within the categories of cover listed.
Mobility Aids (Policy B Section 8)

We will pay:
For:
up to the amount shown in

the schedule of cover for
your mobility equipment
Either
The cost of repairing items that are

damaged whilst on your trip, up to the
limit shown, less an allowance for age,
wear and tear.
Or
Up to the limit shown, less an allowance

for age, wear and tear, to cover mobility
and disability equipment that is stolen,
permanently lost or destroyed whilst on
your trip.
Or
Cost of hire for essential equipment

whilst travelling, in the event that your
mobility equipment is lost or damaged or
delayed
Page 17
Provided you:

The equipment is brought with you from your home country
you should retain the items in case we wish

at your own cost and you have complied with the carriers
to see them, you will need to obtain an
conditions of carriage.
estimate for repairs or a letter confirming that
have notified the police, your carrier or tour operators
the damage is irreparable.
representative and obtained an independent written report.
own the items you are claiming for and are able to provide For all loss or damage claims during transit:
(a) retain your tickets and luggage tags,
proof of ownership.
are not claiming for items which have been damaged by a (b) report the loss or damage to the appropriate
carrier and obtain a Property Irregularity
domestic dispute, atmospheric or climatic conditions, age,
Report (PIR) form or its equivalent within 24
wear, tear, moth or vermin.
hours.
have not left equipment unattended (including being
contained in luggage during transit) except where they are

For all losses
locked securely or left out of sight in your locked holiday or
you should report to the Police as soon as

trip accommodation.
possible, and within 24 hours of discovery,
have not left your equipment unattended away from your
and obtain a written report and reference
holiday or trip accommodation unless left between 6.00 am
number from them.
and 11.00 pm local time (during daytime) in the locked boot
you should also report the loss to your tour

or covered luggage area of a motor vehicle where entry was
operators representative or hotel/apartment
gained by violent and forcible means.
manager wherever appropriate.
have obtained written confirmation of any loss, damage or
delay.
We will only accept original purchase receipts

the equipment Is essential or medically necessary for you to
or proof of ownership for any items
continue your holiday and you would use the equipment in
lost/stolen, these will not be returned to you
your home country for mobility purposes and is necessary for
following settlement of your claim.
day to day living.
Any amount we pay you for temporary hire of

a mobility aid will be deducted from your claim
if it proves to be permanently lost or
damaged.
BE AWARE! Your travel insurance policy is not intended to cover items of high value, as these should be fully insured under your house contents insurance on an All Risks extension
for 365 days of the year. The mobility section only covers items that belong to you, is not new for old and an amount for age, wear and tear will be deducted, you can find full details
of our wear and tear scale published on our website at www.tif-plc.co.uk/wearandtear Any amount we pay you for temporary hire of a mobility aid will be deducted from your claim if
it proves to be permanently lost or damaged.
Anything mentioned in the conditions or general exclusions (page 8) or any items that do not fall within the categories of cover listed.
Any loss if you do not exercise reasonable care for safety/supervision of your property.
Mobility aids not owned by you
The cost for any Nurse or carer unless insured by us
Loss of Passport and Documents (Policy B Section 9)

We will pay:
For:
Up to the amount
shown in the
schedule of cover
cover to contribute
towards the cost of an
emergency
travel
document.
cover for necessary
costs collecting your
emergency
travel
document on your
trip.
Page 18
Provided:
your passport is:

o on your person.
o held in a safe or safety deposit box where one is available.
o left out-of-sight in your locked trip accommodation.
For all losses you should report to the Police as soon

as possible, and within 24 hours of discovery, and
obtain a written report and reference number from
them. You should also report the loss to your tour
operators representative or hotel/apartment manager
wherever appropriate.
you are not claiming for any costs incurred before departure or after
you return home or any costs which are due to any errors or omissions
on your travel documents or money exchange
you are not claiming for any missed travel or accommodation

arrangements as a result of your passport being lost or stolen.
For a lost or stolen passport you will need to get a letter

from the Consulate, airline or travel provider where you
obtained a replacement and keep all the receipts for
your travel and accommodation expenses.
BE AWARE!
any financial loss suffered as a result of your debit/credit card or passport being lost or stolen.
the cost of a new passport upon your return to the United Kingdom.
cash that is not on your person, in a safe/safety deposit box or left out-of-sight in your locked trip accommodation.
loss or theft of cash due to depreciation in value, currency changes or shortage caused by any error or omission.
loss due to delay, detention, confiscation, requisition or damage by customs or other officials or authorities.
Personal Liability (Policy B Section 10)
Page 19
We will pay
For:
Up to the amount shown in

the schedule of cover
any event occurring during the period of

this insurance that you are legally liable to
pay that relates to an incident caused
directly or indirectly by you and that
results in:
Provided:
Injury, illness or disease of any

person.
Loss of, or damage to, property that
does not belong to you or any
member of your family and is neither
in your charge or control nor under
the charge or control of any member
of your family, household or
employee or anyone in your service.
Loss of, or damage to your temporary
holiday accommodation that does not
belong to you, or any member of your
family, household or employee or
anyone in your service.
Liability for loss of or damage to property or injury, illness

or disease is not caused or suffered by:
o your own employment, profession or business or anyone
who is under a contract of service with you, acting as a
carer, whether paid or not, or any member of your family
or travelling companion or is caused by the work you or
any member of your family or travelling companion employ
them to do.
o your ownership, care, custody or control of any animal.
Never admit responsibility to anyone

and do not agree to pay for any damage,
repair costs or compensation.
Keep notes of any circumstances that

may become a claim so these can be
supplied to us along with names and
contact details of any witnesses as well as
any supporting evidence we may require.
Compensation or any other costs are not caused by

accidents involving your ownership,
possession or
control of any:
o land or building or their use either by or on your behalf
other than your temporary trip
o accommodation, ownership or use of aircraft, horse-drawn
or mechanical/motorised vehicles (other than wheelchairs,
electric wheelchairs or mobility scooters), bicycles,
vessels (other than rowing boats, punts or canoes),
animals , or firearms (other than guns being used for
sport);
For injury, illness or disease suffered by you or any member of your family or any event caused by any deliberate or reckless act or omission by you or a member of your family.
Claims where an indemnity is provided under any other insurance or where it falls on you by agreement and would not have done if such agreement did not exist. i.e. rental disclaimer.
Racing of any kind
Any deliberate act
IMPORTANT NOTE
This section does not cover any claim resulting from the ownership or use of motorised vehicles. You need to take out separate motor insurance cover if you intend to drive a car
or other vehicle during your trip.
Racing of any kind

Any deliberate act
If you need legal advice (Policy B Section 11)

We will pay
For:
Page 20
Provided:

If you have an accident abroad
you accept that if you are awarded compensation and receive payment then
and require legal advice you
all sums paid out by us shall be paid out of that compensation.
should telephone:
legal proceedings in the USA or Canada follow the contingency fee system
Slater & Gordon LLP, 123
operating in North America.
Deansgate, Manchester, M3
you are not pursuing a claim against a carrier, travel agent, tour operator, tour
2BU
for 30 minutes legal
organiser, the insurers or their agents or the claims office.
enquires relating to your insured trip.

They will arrange for up to thirty
advice on the
the estimated recovery is more than 500.

minutes of free advice to be
telephone
we believe that you are likely to obtain a reasonable settlement.

given to you by a lawyer. To
the costs cannot be considered under an arbitration scheme or a complaints

obtain this service you should:
procedure.
telephone 0161 228 3851 or fax
you are not claiming against another insured-person, member of your family,
0161 909 4444
a friends or travelling companion, whether insured by us or another provider.
the claim is not due to damage to any mechanically propelled vehicle.
You follow the lawyers advice and provide any information and assistance
required. Failure to do so will entitle us to withdraw cover
BE AWARE! Legal expenses claims are only considered on the condition that you use Slater & Gordon LLP as your legal representative and they will always have complete
control over the legal proceedings and the selection, appointment and control of lawyers. Where a claim occurs you will supply any reports or information and proof to us and
the claims office as may be required. Any legal expenses incurred without our prior authorisation or that of the claims office will not be paid. We will settle all claims under the
Law of the country that you live in within the United Kingdom or the Channel Islands unless we agree otherwise with you.
Proceedings in more than one country for the same event.
Up to the amount
shown in the
schedule of cover
legal costs and expenses incurred in

pursuing claims for compensation and
damages due to your death or personal
injury whilst on the trip.
Catastrophe (Policy B Section 12)

We will pay
For:
Provided:
Your trip is not:

reasonable additional costs of travel and
accommodation within a 20 mile radius to
o within the United Kingdom or Channel Islands.
the same standard as those on your
o formed part of a tour operators package holiday.
booking to enable you to continue your
you are able to provide evidence of the necessity to make alternative travel
trip close to that originally booked if the
arrangements.
pre-booked accommodation has been
damaged by fire, flood, earthquake,
storm, lightning, explosion, hurricane or
the area is quarantined due to a major
outbreak of an infectious disease.
anything mentioned in the conditions or general exclusions (page 8) or any amounts recoverable from any other source
for disinclination to travel or to continue with your trip when official directives from the local or national authority state it is acceptable to do so;
for any cost or expense payable by or recoverable from the tour operator, airline, hotel or other provider of services;
for any cost or expense resulting from circumstances existing prior to your arrival at your pre-paid and pre-booked accommodation;
Up to the amount
shown in the
schedule of cover
You will need to provide written

evidence from official sources to
confirm the need to find
alternative
accommodation,
stating the reason why this was
necessary. You will need to
submit this to claim office along
with your original booking
confirmation and receipts for all
expenses made.
Hijack (Policy B Section 13)
Page 21
We will pay
For:
Provided:
Up to the amount
shown in the
schedule of cover
each 24 hours you are confined as a

result of hijack.
you have obtained confirmation from the airline, carrier or

their handling agents confirming period of confinement.
BE AWARE!
any claim where you are unable to provide us with proof of the incident, i.e. police/authorities/medical report.
any claim where you are attacked or confined as a result of your illegal activity or reckless behaviour.
Download a claim for either medical expenses/and

possessions (if applicable) and completed to the
best of your ability.
Claims will need to be supported by a written report

from the appropriate authorities.
Scheduled Airline Failure & End Supplier Failure (Policy B Section 14)
Page 22
This cover is provided by International Passenger Protection Limited, IPP House, 22-26 Station Road, West Wickham, Kent, BR4 0PR, underwritten by Certain Underwriters at Lloyds (Insurer)
We will Pay:
Up to the amount
shown in the
schedule of cover for
each Person Insured
named on the invoice
For:
Irrecoverable sums paid in advance in the event of insolvency of the

Scheduled Airline, Hotel, Train Operator including Eurostar, Car Ferries;
Villas Abroad & Cottages in the UK; Coach Operator, Car Hire Company,
Caravan Sites, Campsites, Mobile Home, Camper Rental, Safaris;
Excursions; Eurotunnel; Theme Park such as Disneyland Paris all known
as End Supplier of the travel arrangements not forming part of an inclusive
holiday prior to departure
Or
In the event of insolvency after departure:

(a) additional pro rata costs incurred by the Person-Insured in replacing
Or
that part of the travel arrangements to a similar standard of transport

as enjoyed prior to the curtailment of the arrangements,
(b) if curtailment of the holiday is unavoidable - the cost of return
transportation to the United Kingdom, Channel Islands, Isle of Man or

Northern Ireland to a similar standard of transport as enjoyed prior to
the curtailment of the arrangements.
Provided You:
International Passenger Protection (IPP) claims

In the case of (a) and (b),
only:
where practicable, the
should be advised promptly, and within 14 days
Person Insured will have
to:
obtained the approval of
International Passenger Protection Claims
the insurer prior to
Office,
incurring the relevant costs
IPP House,
22-26 Station Road,
West Wickham,
Kent, BR4 0PR,
UK
Telephone: +44 (0) 20 8776 3752
Fax:
+44 (0) 20 8776 3751
Email:
info@ipplondon.co.uk
IPP will only accept claims submitted up to

6 months after the failure.
Any claims submitted after the 6 month

period will not be processed
Travel or Accommodation not booked within the United Kingdom, Channel Islands, Isle of Man or Ireland prior to departure
The Financial Failure of:

(a) any Travel or Accommodation provider in Chapter 11 or any threat of insolvency being known as at Your date of application for this Policy.
(b) any Travel or Accommodation provider who is bonded or insured elsewhere (even if the bond is insufficient to meet the claim)
(c) any travel agent, tour organiser, booking agent or consolidator with whom the insured has booked travel or accommodation
Any loss for which a third party is liable or which can be recovered by other legal means
Any losses that are not directly associated with the incident that caused you to claim. For example, loss due to being unable to reach your pre booked hotel following the financial failure of
an airline.
COMPLAINTS PROCEDURE FOR SCHEDULED AIRLINE FAILURE & END SUPPLIER FAILURE (POLICY B SECTION 14)
COMPLAINTS PROCEDURE FOR SECTION B 14 ONLY:
If you have a complaint, we really want to hear from you. We welcome your comments as they give us the opportunity to put things right and improve our service to you.
Please telephone us on: (020) 8776 3750. Email: info@ipplondon.co.uk
Or write to: The Customer Services Manager, International Passenger Protection Limited, IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR, Fax: (020) 8776 3751
Please make sure that you quote the policy number which can be found on your policy statement.
It is our policy to acknowledge any complaint within 5 working days advising you of who is dealing with your concerns and attempt to address them.
If our investigations take longer, a full response will be given within four weeks or an explanation of IPP's position with time-scales for a full response.
Having followed the above procedure, if you are not satisfied with the response you may write to: Policyholder and Market Assistance, Lloyds, One Lime Street, London EC3N 7HA
Email: complaints@lloyds.com
In addition, you have the right to contact the Financial Ombudsman Service at the following address if you are an Eligible Complainant (See definition below)
The Financial Ombudsman Service, Exchange Tower, London. E14 9SR Telephone: (020) 7964 1000 Email: complaint.info@financial-ombudsman.org.uk
This Certificate is only a summary of the protection provided. A copy of the Master Policy wording providing full details of the terms and conditions of this Insurance is available from the Policyholder
upon request.
Please see Page 35 for further detail on what is an Eligible complaint.
Wickham,
Travel Disputes Professional Fees (Policy B Section 15) on payment of additional premium
Page 23
This cover is provided by UK General Insurance Ltd on behalf of Ageas Insurance Ltd
Failure to comply with the following terms could mean that we decline to pay a claim.
All potential claims must initially be reported to our Claims Notification and Advice Helpline Service, which operates between the hours of 09.00 17.00 Mondays to Friday excluding Bank
Holidays.
Claims Helpline Service 01384 377000
This is a policy where you must notify us within 30 days of returning from the holiday which is subject to the dispute and which may give rise to any claim under this policy. Failure to do so
could mean that we decline to pay a claim for your Professional Fees.
Whilst the policy may include events that occur Worldwide, policy cover will only operate where Legal Proceedings can be brought in a United Kingdom or European Union (EU) countrys
Court Jurisdiction.
If you can convince us that there are sensible prospects of being successful in your claim and that it is reasonable for Professional Fees to be paid we will;
Take over the claim on your behalf
Appoint a specialist of our choice to act on your behalf.

We may limit the Professional Fees that we will pay under the policy where:
1.
We consider it is unlikely a reasonable settlement of your claim will be obtained, or
2.
the potential settlement amount of your claim is disproportionate compared with the time and expense incurred in pursuing your claim.
3.
We consider that it is unlikely that you will recover the sums due and or awarded to you.
Where it may cost us more to handle a claim than the amount in dispute we may at our option pay to you the amount in dispute which will then constitute the end of the claim under this policy.
If Legal Proceedings have been agreed by us you may at this stage decide to nominate and use your own solicitor or indeed, you may wish to continue to use our own specialists. If you decide
to nominate your own professional we must agree this in advance and you will be responsible for any Professional Fees in excess of those which our own specialists would normally charge us
(Details are available upon request) or in respect of Small Claims Court matters, any Professional Fees in excess of those that are ordinarily recoverable from that respective court.
At conclusion of your claim if you are awarded any costs (not your damages), these must be paid to us.
PLEASE NOTE THAT IF AN INSURED PERSON ENGAGES THE SERVICES OF ANYONE PRIOR TO MAKING CONTACT WITH THIS HELPLINE AND INCUR ANY COSTS WITHOUT
OUR PRIOR WRITTEN APPROVAL THESE COSTS WILL NOT BE COVERED BY THIS INSURANCE.
If upon receipt of this policy You are unhappy with any of the requirements as stated above please advise Your insurance adviser within 14 days of issue, who subject to You not having travelled
or made a claim under this policy, will arrange a full refund of premium.
Claim limits
Definitions
25,000 being the maximum amount we will pay in respect of any one claim and the total
Specific to This Section Of Cover
Agent
amount payable within any one Period of Insurance as specified within the Schedule.
Period of insurance
The Agent appointed by the Coverholder to transact this insurance with you.
The Period of Insurance shown in the Schedule of cover and limits.
Authorised professional
A solicitor, counsel, claims handler or mediator, accountant, firm of accountants or other Policyholder, you, your
appropriately qualified person appointed and approved by us under the terms and conditions of The person who has paid the premium and is named in the Schedule of cover and limits as the
Policyholder.
this Policy to represent your or an Insured Person's interests.
Pre-booked accommodation
Claims specialist
A commercially run premises where a fee is charged which has been booked prior to your
Our own claims panel solicitor or claims handler.
departure
on your Holiday not including premises owned by friends or family.
Court
Professional fees
A Court, tribunal or other competent authority.
Legal fees and costs reasonably and properly incurred by the Authorised Professional, with our
Event
The initial event act or omission which sets off a natural and continuous sequence of events that prior written authority including costs incurred by another party for which you are made liable
subsequently gives rise to a claim for Professional Fees and a benefit under this Policy
by Court Order, or may pay with our consent in pursuit of a civil claim in the Territorial Limits
Excess
arising from an Insured Incident.
The first 35 of each and every claim.
In the event that the matter falls within the limits of a Small Claims Court, the maximum amount
Holiday
payable to the Authorised Professional shall be limited to the maximum amount recoverable
A holiday trip outside the United Kingdom or a holiday within the United Kingdom which includes from that respective Court.
two or more consecutive nights stay in Pre-Booked Holiday Accommodation.
Schedule of cover and limits
Insured person
The document which shows details of you and this insurance and is attached to and forms part
The persons named within the Schedule of cover and limits attached to this policy.
of this policy.
Travel Disputes Professional Fees (Policy B Section 15) Continued

Definitions Continued
Insurer
This insurance is arranged by Ancile Insurance Group Limited with UK General Insurance Ltd
on behalf of Ageas Insurance Ltd, Registered in England No.354568. Registered Office:
Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA.
UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority.
Ageas Insurance Limited is authorised by the Prudential Regulation Authority and regulated by
the Financial Conduct Authority and the Prudential Regulation Authority.
This can be checked on the Financial Services Register at www.fca.org.uk/firms/systemsreporting/register or by calling them on 0800 111 6768.
Legal proceedings
When formal Legal Proceedings are issued against an opponent in a Court of Law.
Page 24
Standard professional fees
The level of Professional Fees that would normally be incurred by us in either handling this
matter using our own Claims Specialists or a nominated Authorised Professional of our
choice.
Territorial limits
Worldwide but only where Legal Proceedings can be brought in a United Kingdom or
European Union (EU) countrys Court Jurisdiction.
Time of occurrence
When the Event occurred or commenced whichever is the earlier.
We, us, our
The insurers and/or Legal Insurance Management Ltd, the Coverholder.
COVER
You have paid the premium and supplied to us a proposal and declaration or other information which shall be the basis of this contract and be incorporated in this policy.
Upon payment of the policy excess We will pay Your claim in accordance with Our Standard Professional Fees and where requested by You any other Insured Person up to the Claim Limits
subject to the terms, conditions and exclusions of this policy, against Professional Fees arising from an Insured Incident within the Territorial Limits where You notify Us within 30 days of returning
from the holiday which is subject to the dispute and which may give rise to any claim under this policy.
What is covered:
Pursuing a breach of contract claim arising from a contract (which must be evidenced and recorded in writing) entered into by You or on your behalf for the purposes of undertaking a Holiday
in order to seek compensation and or implementation of the contract from the following:a.
Your Tour Operator or Holiday Company
b.
Your Travel Agent
c.
A Car Hire company with whom you have pre-booked a vehicle
d.
An Airline, Ferry, Train, Cruise liner or Coach Operator
e.
A Hotelier or Property Owner
Subject to the cause of action arising within the Territorial Limits and where Legal Proceedings are able to be brought in a United Kingdom or European Union (EU) Countrys Court jurisdiction.
What is not covered:
Any matter where the value of the goods or services in dispute or the total instalments due at the time of making the claim is less than 150.
An Event not reported to the Insurer within 30 days of returning from the holiday subject to the dispute.
Professional Fees and expenses which a Court of Criminal Jurisdiction orders to be paid.
Actions pursued in order to obtain satisfaction of a judgement or legally binding decision.
The Insured Persons travelling expenses, subsistence allowances or compensation for absence from work.
Any claim where the Event arises from incidents which have occurred or services and the like which have been provided prior to the first inception date of this insurance.
Professional Fees incurred: o in respect of any Insured Incident where the Event commenced prior to the inception of the insurance.
o before our written acceptance of a claim.
o before our approval or beyond those for which we have given our approval.
o where you fail to give proper instructions in due time to us or to the Authorised Professional.
o where you are responsible for anything which in our reasonable opinion prejudices your case.
o if you withdraw instructions from the Authorised Professional, fail to respond to the Authorised Professional, withdraw from the Legal Proceedings or the Authorised Professional refuses
to continue to act for you.
o in respect of the amount in excess of our Standard Professional Fees where you have elected to use an Authorised Professional of your own choice.
o where you decide that you no longer wish to pursue your claim as a result of disinclination. All costs incurred up until this stage will become your responsibility.
The pursuit or continued pursuit of any claim if we consider it is unlikely a reasonable settlement will be obtained or where the likely settlement amount is disproportionate compared with
the time and expense incurred.
Page 25
What is not covered Continued:
Claims which are conducted by you in a manner different from the advice or proper instructions of the Authorised Professional.
Appeals unless you notify us in writing of your wish to appeal at least six working days before the deadline for giving notice of appeal expires, and we consider the appeal to have a
reasonable chance of success.
Any Professional Fees and expenses that could have been recovered under any other insurance except beyond the amount which would be payable under such insurance had this Policy
not been effected.
Damages, fines or other penalties you are ordered to pay by a Court tribunal or arbitrator.
Claims arising from an Event arising from your deliberate act, omission or misrepresentation.
Claims arising from:o Ionising, radiations or contamination by radioactivity from irradiated nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
o Any radioactive toxic explosive or other hazardous properties of any nuclear assembly or component thereof.
o War, Terrorism or any like or any associated risk.
o Seepage pollution or contamination of any kind.
o pressure waves caused by aircraft or other aerial devices.
Any dispute relating to written or verbal remarks which damage your reputation.
Any Professional Fees relating to your alleged dishonesty, or deliberate and wilful criminal acts or omissions.
Legal Proceedings outside the European Union (EU) and proceedings in constitutional international or supranational courts or tribunals including the European Court of Justice and the
Commission and Court of Human Rights.
A dispute which relates to any compensation or amount payable under a contract of insurance.
A dispute with us not dealt with under the Arbitration Condition.
An application for judicial review.
Any claim involving medical or clinical negligence, or pharmaceutical or any related claims (including but not limited to tobacco products).
Any claim arising from stress or psychological related condition.
Disputes between an Insured Person and their Family or a matrimonial or co-habitation dispute.
Fees payable to the Appointed Professional that exceed the maximum amount recoverable from the respective Court where the dispute falls within the limits of a Small Claims Court.
Any matter arising from or relating to any business or trading activity or venture for gain undertaken by an Insured Person including but not limited to any personal guarantee and
investment in unlisted companies.
Legal Proceedings between an Insured Person and a central or local government authority.
Any matter in respect of which an Insured Person is entitled to Legal Aid.
Any claims made or considered against us, the Agent or Authorised Professional used to handle any claim.
Any claims relating to cosmetic treatment, surgery or tanning.
Any Professional Fees incurred in defending or pursuing new areas of law or test cases.
Page 26
Conditions:
Specific to This Section of Cover
Alteration of Risk
Once cover has been arranged, you must immediately notify us of any changes to the information that has been previously provided. The most serious consequence of failing to provide full and
accurate information before you take out insurance, or when your circumstances change, could be the invalidation of your cover. In that instance it would mean that a claim will be rejected.
Observance
Our liability to make any payment under this policy will be conditional on you complying with the terms and conditions of this insurance.
Claims
You must tell us in writing within 30 days of returning from the respective holiday about any matter, which could result in a claim being made under this Policy, and must obtain in writing our
consent to incur Professional Fees.
We will give such consent if you can satisfy us that there are sufficient prospects of success in pursuing your claim and that it is reasonable for Professional Fees to be paid and you have paid
the Excess.
We may require (at our discretion) you at your expense to obtain the opinion of an expert or counsel on the merits of a claim or continued merits of a claim or Legal Proceedings. If we
subsequently agree to accept or continue with the claim, the costs of such opinion will be covered.
If after receiving a claim or during the course of a claim we decide that:
1. Your prospects of success are insufficient, or
2. It would be better for you to take a different course of action, or
3. We cannot agree to the claim.
We will write to you giving our reasons and we will not then be bound to pay any further Professional Fees for this claim.
We may limit any Professional Fees that we will pay under the policy in the pursuit continued pursuit or defence of any claim:
1. If we consider it is unlikely a reasonable settlement will be obtained or
2. Where the likely settlement amount is disproportionate to the time and expense necessary to achieve a settlement.
3. We consider that it is unlikely that you will recover the sums due and or awarded to you.
Alternatively, where it may cost US more to handle the amount in dispute we may at our option pay to you the amount in dispute which shall be deemed to represent full and final settlement
under this policy.
In the event that You make a claim under this policy which You subsequently discontinue due to Your own disinclination to proceed, any legal costs incurred to date will become Your own
responsibility and will be required to be repaid to the insurer.
UK General Insurance Limited is an Insurers agent and in the matters of a claim act on behalf of the Insurer.
Representation
We will take over and conduct in your name the prosecution, pursuit, or settlement of any claim. The Authorised Professional nominated and appointed by us will act on your behalf and you
must accept our nomination.
If Legal Proceedings have been agreed by us, you may nominate your own Authorised Professional whose name and address you must submit to us. In selecting your Authorised Professional
you shall have regard to the common law duty to minimise the cost for your claim. Any dispute arising from this shall be referred to Arbitration in accordance with the Conditions of this policy.
Where you have elected to use your own nominated Authorised Professional you will be responsible for any Professional Fees in excess of our Standard Professional Fees.
Conduct of Claim
1.
You shall at all times co-operate with us and give to us and the Authorised Professional evidence, documents and information of all material developments and shall attend upon the
Authorised Professional when so requested at your own expense.
2.
We shall have direct access at all times to and shall be entitled to obtain from the Authorised Professional any information, form, report, copy of documents, advice computation, account
or correspondence relating to the matter whether or not privileged, and you shall give any instructions to the Authorised Professional which may be required for this purpose. You or your
Authorised Professional shall notify us immediately in writing of any offer or payment into Court made with a view to settlement and you must secure our written agreement before
accepting or declining any such offer.
3.
We will not be bound by any promise or undertaking given by you to the Authorised Professional or by either of you to any Court, witness, expert, agent or other person without our
agreement.
Page 27
Recovery of Costs
You should take all reasonable steps to recover costs, charges, fees and expenses. If another person is ordered, or agrees, to pay You all of any costs, charges, fees and expenses or
compensation You will do everything possible (subject to Our directions) to recover the money and hold it on Our behalf. If payment is made by instalments these will be paid to Us until We have
recovered the total amount that the other person was ordered, or agreed to pay by way of costs, charges, fees or expenses.
Fraud
We have the right to refuse to pay a claim or to avoid this insurance in its entirety if you make a claim which is in any respect false or fraudulent.
Data Protection
The data supplied by you will only be used for the purposes of processing your policy of insurance, including underwriting, administration and handling any claim which may arise. The data
supplied will not be passed to any other parties other than those which we have mentioned hereon.
You are entitled upon the payment of an administration fee to inspect the personal data which we are holding about you. If you wish to make such an inspection, you should contact:
Legal Insurance Management Ltd, 1 Hagley Court North, The Waterfront, Brierley Hill, West Midlands DY5 1XF.
We may respond to enquiries by the Police concerning your policy in the normal course of their investigations. Where it is necessary to administer your policy effectively or to protect your
interests we may disclose data you have supplied to other third parties such as solicitors, loss adjusters motor garages, engineers, repairers, replacement companies, other insurers etc.
Reasonable Care
You must take all reasonable steps to prevent incidents that may give rise to a claim and to minimise the amount payable by us.
Cancellation
We hope You are happy with the cover this policy provides. However, if after reading this policy, this insurance does not meet with Your requirements, please return it to Your Agent within
fourteen (14) days of issue and We will refund Your premium provided You have not submitted a claim.
The Insurer shall not be bound to accept renewal of any Insurance and may at any time cancel any insurance document by giving 14 days notice in writing where there is a valid reason for doing
so. A cancellation letter will be sent to the Insured at their last known address. Valid reasons may include but are not limited to:
a) Fraud
b) Non-payment of premium
c) Threatening and abusive behaviour
d) Non-compliance with policy terms & conditions
Acts of Parliament
Any reference to Act of Parliament within this Policy shall include an amending or replacing Act and shall also include where applicable equivalent legislation in Scotland, Northern Ireland, the
Channel Islands, The Isle of Man and under European Law where applied in the United Kingdom.
Arbitration
Any dispute between you and Us, which is not solved by the Policy, will be governed by the laws of England and Wales and shall be referred to a single arbitrator, who shall either be a solicitor
or barrister on whom we both agree, or if we cannot agree, one who is nominated by the Law Society. Where appropriate the dispute will be resolved on the basis of written submissions. The
costs of resolving the dispute will be met in full by the party against whom the decision is made. If the decision is not clearly made against either party, the arbitrator shall have the power to
apportion costs.
Contracts (Rights of Third Parties) Act 1999
Unless expressly stated nothing in this insurance contract will create rights pursuant to the Contracts (Rights of Third Parties) Act 1999 in favour of anyone other than the parties to the insurance
contract.
Notices
Any letter or notice concerning this insurance will be properly issued if it is sent to the last known address of the person intended to receive it.
Claims Notification and Advice Helpline
All potential claims must be reported initially to the Claims Notification and Advice Helpline for advice and support. We will not accept responsibility if the Helpline services fail for reasons beyond
our control.
Law
This policy shall be governed by and construed in accordance with the Law of England and Wales unless the Policyholders habitual residence (in the case of an individual) or central administration
and/or place of establishment is located in Scotland in which case the law of Scotland shall apply.
COMPLAINTS PROCEDURE FOR TRAVEL DISPUTES PROFESSIONAL FEES (POLICY B SECTION 15)
Page 28
In the event of a complaint arising under this insurance, you should in the first instance write to the Agent who arranged this insurance and if the matter still remains unresolved thereafter you
should write to:The Managing Director
Legal Insurance Management Ltd
1 Hagley Court North, The Waterfront, Brierley Hill West Midlands DY5 1XF
Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response.
If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service.
This also applies if you are insured in a business capacity but have a group annual turnover of less than 2 million and fewer than ten staff You may contact the Financial Ombudsman Service
at:Financial Ombudsman Service
Exchange Tower, Harbour Exchange Square, London E14 9SR
Tel: 0800 023 4567 if calling from a landline or 0300 123 9123 if calling from a mobile
www.financial-ombudsman.org.uk
The above complaints procedure is in addition to YOUR statutory rights as a consumer. For further information about YOUR statutory rights contact YOUR local Authority Trading Standards
Service or Citizens Advice Bureau.
Compensation Scheme
Ageas Insurance Ltd is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if it cannot meet its obligations. This depends
on the type of business and the circumstances of the claim. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk
Enhanced travel Delay (Policy B Section 16) on payment of additional premium

This section is only applicable if the appropriate premium has been paid and does not apply to trips within the UK
We will be pay:
For:
Provided:
the schedule of cover for
each Person Insured
named on the schedule of
cover.
each full12 hours you are delayed
only delays at the final point of international

departure point to and from the UK
Page 29
Written confirmation from the airline,

shipping, coach or train company
stating the duration and cause of the
delay is required
BE AWARE!
if you do not check-in for the flight, sea crossing, coach or train departure before the intended departure time;
if you do not obtain written confirmation from the airline, shipping, coach or train company stating the duration and the cause of the delay;
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.
Ski equipment (Policy B Section 17) on payment of additional premium

Upon payment of an additional premium for winter sports, your policy will cover Wintersports (on piste skiing and snowboarding, for leisure purposes only and not participating
in any timed, competitive or off piste/specialist ski/snow board activities) for the entire duration of your Single Trip or on your Multi Trip covers you for 24 days in one policy year.
We will pay
For:
Provided:
the cost of repairing items that are damaged whilst

you have paid your excess or accept it will be For all loss or damage claims during
on your trip, up to the original purchase price of the
transit: you need to retain your tickets
deducted from any settlement.
item, less an allowance for age, wear and tear.
and luggage tags, report the loss or
you have complied with the carriers conditions of

Or
damage to the transport provider, and
carriage.
the original purchase price of the item, less an

obtain a Property Irregularity Report (PIR)
on delay, loss or theft claims you have notified the
allowance for age, wear and tear, to cover items
form or its equivalent within 24 hours.
police, your carrier or tour operators representative
that are stolen, permanently lost or destroyed on
For
all damage claims keep the items in
your trip.
and obtained an independent written report.
case
we wish to see them. You will need
the ski equipment was not left unattended unless left

to
obtain
an estimate for repairs or a letter
between 6.00 am and 11.00 pm local time in the
locked boot or covered luggage area of a motor
confirming that the damage is irreparable.
vehicle and entry was gained by violent and forcible
the cost of hiring replacement ski equipment if your

For all other losses you should report to
means.
ski equipment is misplaced, lost or stolen on your
the Police within 24 hours of discovery,
you are able to provide the damaged items on request
outward journey for over 12 hours from the time you
and obtain a written report and reference
or to prove the existence or prove ownership or
number from them.
arrived at your trip destination.
responsibility of any items.
BE AWARE! The possessions section only covers items that belong to you, is not new for old and an amount for age, wear and tear will be deducted, you can find full details of our
wear and tear scale published on our website at www.tif-plc.co.uk/wearandtear. No cover is provided under this section for:
Anything mentioned in the conditions or general exclusions (page 8)
Any claim if your tour operator has compensated, offered or provided travel, alternative transport and/or accommodation to an alternative resort
Ski Pack (Policy B Section 18)
Page 30
Cover only applicable if the appropriate winter sports premium has been paid
We will pay:
For:

Provided:
the unused portion of your ski pack costs paid for or
contracted to be paid for before your trip
commenced
You have NOT curtailed your trip, but are certified by

a medical practitioner in the resort as being unable to
ski, and therefore unable to use the ski pack facilities
because of serious injury or illness occurring during
the trip and where there is confirmation that no refund
is available for the unused items.
You need to provide a medical

certificate obtained from a medical
practitioner confirming you are
unable to ski and are unable to use
the ski pack facilities
BE AWARE!
for the excess shown in the schedule of cover and limits per insured person;
for claims that are not confirmed as medically necessary by the emergency assistance company and where a medical certificate has not been obtained from the attending medical practitioner
abroad confirming that you are unable to ski and unable to use the ski pack facilities;
for anything mentioned under you are not covered for Section B4 - Medical & Repatriation Expenses.
Piste Closure (Policy B Section 19)
Cover only applicable if the appropriate winter sports premium has been paid
We will pay:
For:
Provided:
The lack of snow in your resort between 1st January

and 30th April, and it has to close preventing you from
skiing at a destination of higher than 1600 metres above
sea level:
o Towards the costs you have to pay to travel to
another resort
the lack of snow conditions are not public knowledge
you have obtained a letter from your tour

operator/transport provider stating the reason for
closure, the date, time of the closure and the date
and time it re-opened.
If you are unable to ski if your resort stays closed

and there is no other resort available, for as long as
these conditions exist at the resort
It does not exceed the pre-booked period of

insurance of your trip
Or
o
BE AWARE!
for claims where you have not obtained confirmation of resort closure from the local representative;
for claims where not all skiing facilities are totally closed;
for claims where the lack of snow conditions are known or are public knowledge at the time of effecting this insurance.
You need to obtain confirmation of

the closure of the resort from the
local representative
Loss and Hire of Golf Equipment (Policy B Section 20) on payment of additional premium
We will pay

For:
Either
The cost of repair of items that are partially damaged

whilst on your trip, up to the market value of the
item, allowing for age wear and tear.
Or
The market value of the item, allowing for age, wear

and tear as shown below, to cover items that are
stolen, permanently lost or destroyed whilst on your
trip.
The cost of hire of golf equipment if your golf

equipment is lost, stolen, or delayed on your outward
journey for over 12 hours from the time you arrived
at your trip destination.
Provided:
Page 31
you have paid your excess or accept it will be deducted from any
settlement
you have complied with the carriers conditions of carriage
you have notified the police, your carrier or tour operators
representative and obtained an independent written report with
written confirmation of any loss, damage.
you are not claiming for damage caused by a domestic dispute,
atmospheric or climatic conditions, age, wear, tear, moth or vermin,
perishable items and/or their contents.
your golf equipment is not specifically insured elsewhere.
you are able to provide either the damaged items on request or to
prove the existence or ownership of any item lost or stolen.
you have kept all receipts for this hire and sent them in to us with
your claim.
Please
telephone
our
claims department. They
will
send
you
the
appropriate claim form and
advise
you
what
documentation to send in.
For all sections you will
need to obtain independent
written confirmation of the
circumstances and keep all
receipt for items purchased
/hired equipment.
BE AWARE! No cover is provided under this golf extension for:
Anything mentioned in the general exclusions or conditions (page 8).

Any intentional or damage to golf equipment due to carelessness/reckless actions.
Loss of Green Fees (Policy B Section 21)
Cover only applicable if the appropriate golf extension premium has been paid
We will pay:
For:

the schedule of cover and
up to the limits shown
the loss of Green Fees should the pre-booked

Course become unplayable due to adverse
weather conditions or because of serious
injury/illness occurring during the trip
Provided:
you have kept all receipts and sent them in to us with your claim.
the course is closed by a club official and you have confirmation in
writing
Please telephone our

claims department. They
will send you the
appropriate claim form
and advise you what
documentation to send
in.
Hole in One (Policy B Section 22)
Page 32
Cover only applicable if the appropriate golf extension premium has been paid
We will pay:
For:

If you complete a hole in one stroke gross (ie exclusive of

handicap) during any organised game on any golf course
Please note: this benefit will only be payable once in any game
Provided:
you have confirmation in writing from the

Club Secretary and your playing partner.
you have kept all receipts for these items and

send them in to us with your claim.
Please telephone our claims

department. They will send you
the appropriate claim form and
advise you what documentation to
send in.
if you do not produce written confirmation from the secretary of the club, stating that the hole in one has been performed to the satisfaction of the club, together with the original score card
fully completed and duly signed.
Missed Connection (Policy B Section 23) on payment of additional premium

We will pay:
For:
Provided:

Additional transportation and/or accommodation expenses

incurred
(a) to join your connecting aircraft, watercraft, train or motor
vehicle
You must check-in according to the itinerary provided by the

tour operator or carrier, and obtain written confirmation of the
delay or cancellation from them.
Or
You must produce independent evidence in writing to support

any claim.
Please telephone
our
claims
department. They
will send you the
appropriate claim
form and advise
you
what
documentation to
send in.
(b) to get you to your pre-booked final destination should

you miss your connecting transport as a result of the You must allow sufficient time to reach your connecting aircraft,
cancellation or delay of 3 or more hours of your aircraft,
watercraft, train or motor vehicle
watercraft or train on your initial international outbound
or return journey due to adverse weather, mechanical
breakdown or technical fault
BE AWARE! No cover is provided for:
Circumstances which could reasonably have been anticipated at the date the insurance was effected.
Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country.
Natural Catastrophe (Policy B Section 24) on payment of additional premium

We will pay
Up to 1,500 in total
For:
Any part of your outward, onward, return journey or whole

trip which is cancelled due to fire, flood, earthquake, storm,
lightening, explosion, hurricane, volcanic eruption or the
area is quarantined due to a major outbreak of an infectious
disease.
Provided:
Your trip is not:

(a) within the United Kingdom or Channel
Islands.
(b) formed part of a tour operators package
holiday.
Up to 150 per day to a

maximum of 1,500 in
total
you are able to provide evidence of the necessity

to make alternative travel arrangements.
You are not claiming for costs which are

recoverable from a tour operator, public transport
operator, accommodation provider, holiday
services provider or any other source, or for which
you receive or are expected to receive
compensation or other assistance.
reasonable additional accommodation (room only) costs

and transport expenses necessarily incurred by you up to
the standard of your original booking to return home:
(a) if the public transport on which you are booked to
travel is cancelled or delayed and an alternative is not
provided to you within 24 hours
Or
Page 33
You will need to provide written

evidence from official sources to
confirm the need to find alternative
accommodation, stating the reason
why this was necessary. You will need
to submit this to claim office along with
your original booking confirmation and
receipts for all expenses made.
(b) If in the case of connecting transport, not provided

within a timeframe that allows you to continue with your
original itinerary
You are not claiming for any costs if you have
following fire, flood, earthquake, storm, lightening,
made your own arrangements as the result of
explosion, hurricane, volcanic eruption or the area is
which less than a 24 hour delay has been incurred.
quarantined due to a major outbreak of an infectious
disease.
anything mentioned in the conditions or general exclusions (page 8) or any amounts recoverable from any other source
food, drink, telephones calls
Any claim where the fire, flood, earthquake, storm, lightning, explosion, hurricane, volcanic eruption or infectious disease had already happened before you purchased this policy or booked
your trip, whichever is the latter.
For any costs if you do not take the first available means of transport to get to your destination or home or any unreasonable or unnecessary costs to get you to your destination or home
Any travel or accommodation expenses you would normally incur.
HAZARDOUS PURSUITS
Page 34
You are not covered for taking part in any Hazardous Pursuits unless it is listed below and you have paid the required premium where appropriate. In respect of Hazardous Pursuits categories
B to C, the maximum age limit is 75. If you are going to take part in any activity which may be considered dangerous or hazardous that is not detailed below, please contact the selling agent
who will contact us to see if we can provide cover. Please note that under Section B10 - Personal Liability you will not be covered for liability whilst participating in any hazardous pursuit or
anything caused directly or indirectly by your owning or using any firearms or weapons, animal, aircraft, motorised vehicle, boat and other watercraft, or any form of motorised leisure equipment,
including jet skis and snowmobiles.
Cover for the following activities that are considered to be Hazardous Pursuits is included provided they are incidental to the trip (not sole purpose) and for recreational purposes only, not for
competitions or any professional activity, subject to the following endorsement:
HAZARDOUS PURSUITS ENDORSEMENT:
The exclusion of Hazardous Pursuits in the General Exclusions is deleted only with respect to cover under Section B1 - Curtailment and Section B5 - Medical and Repatriation Expenses for
participation in the following Hazardous Pursuits on a non-professional (amateur) and recreational basis, provided that; you ensure the activity is adequately supervised, that appropriate safety
equipment (such as protective head wear, life jackets etc.) are worn at all times and you do not participate in such Hazardous Pursuits for more than 90 days in any one Period of Insurance.
The acceptable Hazardous Pursuits list is:Category A: Aerobics, Angling, Archery, Badminton, Bamboo Rafting (only on inland waters or coastal waters within a 12 mile limit of land), Banana Boating, Baseball, Basketball, Beach games,
Blade Skating, Board Sailing (only on inland waters or coastal waters within a 12 mile limit from land), Body Boarding/Boogie Boarding (only on inland waters or coastal waters within a 12 mile
limit from land), Bowls, Catamaran Sailing (inland waters only) European Waters only, Clay Pigeon Shooting, Cricket, Croquet, Cross Country Running, Curling, Cycling (but not BMX and
mountain bikes), Dinghy Sailing (inland waters only) within a 12 mile limit form land, Dragon Boat Racing, Fell walking, rambling up to 2000m, Fishing, Sea Fishing, Fruit or Vegetable Picking
(under 3 metres), Glass Bottom Boats, Goalball, Golf, Handball, Hobbie Catting (only on inland or coastal waters within a 12 mile limit from land) European Waters only, Ice-skating (rink only),
Jet Boating, Jet Skiing, Jogging, Kite Boarding, Kite Surfing, Motorcycling up to 50cc (Excluding Quad biking), Netball, Non-Manual Labour excluding Animal Sanctuary/Refuge work,
Parascending (towed by boat), Rafting, canoeing and kayaking (including white water up to grade 3), Pilates, Pony Trekking, Power Boating (non-competitive), Rackets, Racquet Ball, Roller
skating, Rounders, Scuba diving (up to 18 metres), Snooker, pool and billiards, Snorkelling, Softball, Spinning, Squash, Surfing, Swimming (in a pool or inland waters or coastal waters within a
12 mile limit from land), Swimming with dolphins, Table tennis, Ten Pin Bowling, Tennis, Trampolining, Trekking/Hiking up to 2000 metres, Tubing, Tug of War, Volleyball, Wakeboarding, Walking
up to 2000m, Water Polo, Water-skiing (only on inland waters or coastal waters within a 12 mile limit from land), Windsurfing (only on inland waters or coastal waters within a 12 mile limit from
land), Yachting, boating, sailing and rowing (only on European waters)
The following Category activities are not covered by this insurance unless an additional premium has been paid and the schedule of cover and limits shows the cover has been
provided. If the additional premium has been paid, the activities are covered provided they are incidental to the trip (not sole purpose) and for recreational purposes only, not for
competitions or any professional activity, and subject to the above endorsement:
Category B: Provided you have paid the appropriate premium, you will be covered for all of the activities listed in Category A plus the following activities:Breathing Observation Bubble (BOB) up to 18 metres, Bungee Jump - No Personal Accident cover, Camel/Elephant Riding, Charity Rallies (No Racing), Cycle Touring, Deep Sea Fishing, Dog
Sledging, Farm Work (manual, excluding the use of powered machinery), Fencing, Fives, Flying a private plane or small aircraft, Flying as a passenger in a private or small aircraft,
Football/Soccer, Go Karting up to 250cc, Gorilla Trekking, Gymnastics, Hiking (between 2,000 and 3,000 metres altitude), Hockey, Horse riding over 7 days (no Polo, Hunting or Jumping), Hot
Air Ballooning, Hydro Zorbing, Kayaking European waters only, Manual Work (ground level only, no machinery), Motorcycling (between 51cc 125cc, no racing) as a rider or passenger when
wearing a helmet, provided the rider holds an appropriate UK licence, Paint Balling, Passenger Sledge, Quad Biking (no racing) under 125cc as a rider or passenger when wearing a helmet,
provided the rider holds an appropriate UK licence, Safari (not involving use of firearms), Scuba Diving (between 18 and 30 metres), Sea Canoeing/Kayaking inland waters only European
waters only, Trekking (between 2,000 and 3,000 metres altitude), White Water Canoeing/Rafting/Kayaking (Grade 4), Wind Tunnel Flying
Category C: Provided you have paid the appropriate premium, you will be covered for all of the activities listed in Categories A and B, plus the following activities:Abseiling, Devil Karting, Dirt Boarding, Fell Running/Walking (between 3,000 and 6,000 metres altitude), Gaelic Football, Glacier Skiing, Gliding, Hurling, Ice Fishing, Kendo (Training only), Kick
Boxing (Training only), Lacrosse, Manual Work (ground level only including the use of light hand held machinery), Martial Arts (Training only), Motor Cycling over 125cc. Must have a full Clean
Licence and be over the age of 25 years as a rider or passenger when wearing a helmet (Excluding Quad biking), Octopush/Water Hockey, Off Piste Skiing (with a professional guide/instructor
within recognised resort areas), Outdoor Endurance Events, Roller Hockey, Rugby, Shark Diving (Cage), Shinty, Sail Boarding, SandBoarding, Sand Dune Surfing/Skiing, Sand Yachting,Skate
Boarding, Ski-Dooing, Ski Run Walking, Ski Yawing, Skiing (Cross Country), Skiing, Skiing (Dry Slope), Skiing, Big Foot, Sledging, Snow Blading, Snow Boarding, Snow Bobbing, Snow Carting,
Snow Decking, Snow Go Karting up to a 125cc, Snow Parascending, Snow Scooting, Snow Shoe Walking, Snow Shoeing, Snow Tubing, Snow Zorbing, Snow Kiting, Snow Mobiling,
Snowboarding (Dry Slope), Snowcat Driving, Snowcat Skiing, Tree Top Canopy Walking, Trekking (between 3,000 and 6,000 metres altitude), White Water Canoeing/Rafting/Kayaking (Grade
5 to 6), Yachting (racing/crewing) including outside Coastal waters but within European waters,
SCUBA DIVING ENDORSEMENT
Scuba diving to a maximum depth of 18 metres (see Category A) or 30 metres (see category B) will be covered provided that you hold a British Sub Aqua Club (B.S.A.C.) or equivalent certificate
of proficiency for the dive being undertaken or you are under the direct supervision of a qualified instructor; are diving with proper equipment and not contrary to B.S.A.C. codes of good practice;
are not solo/cave/wreck diving, are not diving for hire or reward; are not diving within 24 hours of flying or flying within 24 hours of diving and are not suffering from any medical condition likely
to impair your fitness to dive.
Page 35
We have appointed Travel Claims Facilities to look after your claim. If you require a claim form please download it on the internet at: www.travel-claims.net
Alternatively please advise the section of the insurance on which you want to claim and master policy number and policy reference to:
Travel Claims Facilities, I Tower View, Kings Hill, West Malling, Kent, ME19 4UY telephone: 0203 829 3 815
You need to:
Produce your insurance certificate confirming you are insured before a claim is admitted.
Give us full details in writing of any incident that may result in a claim under any section
of the policy at the earliest possible time.
Provide all necessary information and assistance we may require at your own expense
(including where necessary medical certification and details of your National Health
number or equivalent and private health insurance).
We can:
Make your policy void where a false declaration is made or any claim is found to be
fraudulent.
Take over and deal with in your name the defence/settlement of any claim made under
the policy.
Subrogate against the responsible party and take proceedings in your name but at our
expense to recover for our benefit the amount of any payment made under the policy.
Obtain information from your medical records (with your permission) for the purpose of
dealing with any medical claims. No personal information will be disclosed to any outside
person or organisation without your prior approval.
Pass on to us immediately every writ, summons, legal process or other communication in connection with the
claim.
Provide full details of any House Contents and All Risks insurance policies you may have.
Ensure that all claims are notified within 3 months of the incident occurring.
Not abandon any property to us or the claims office.
Not admit liability for any event or offering to make any payment without our prior written consent.
Cancel all benefits provided by this policy without refund of premium when a payment has been made for
cancellation or curtailment of the trip.
Not make any payment for any event that is covered by another insurance policy.
Only pay a proportionate amount of the claim where there is other insurance in force covering the same risk
and to require details of such other insurance.
Settle all claims under the Law of the country that you live in within the United Kingdom or the Channel Islands
unless we agree otherwise with you.
submit any disputes arising out of this contract to the exclusive jurisdiction of the courts of the country that
you live in within the United Kingdom or the Channel Islands
It is our aim to give a high standard of service and to meet any claims covered by these policies honestly, fairly and promptly. There are, however, times when misunderstandings occur by both sides. If you do
not feel that the matter has been dealt with to your satisfaction or you have some new evidence which we have not seen, you may bring this to the claims managers attention in writing. The Claims Manager,
Travel Claims Facilities, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY
INFORMATION FOR SECTION B14 ONLY: Definitions - What is an Eligible Complainant?
1.
A Consumer Any natural person acting for purposes outside his trade, business or profession
2.
A Micro-Enterprise An enterprise which employs fewer than 10 persons and has a turnover or annual balance sheet that does not exceed 2 million
3.
A Charity Which has an annual income of less than 1 million at the time the complaint is made
4.
A Trustee Of a trust which has a net asset value of less than 1 million at the time the complaint is made.
Your right to complain

If your complaint is regarding the selling of your policies: Complaints Manager, Goodtogo Insurance, Kao Hockham Building, Edinburgh Way, Harlow, Essex, CM20 2NQ
Or if, you would like to complain about the outcome of your claim or assistance provided please forward details of your complaint in the first instance as follows:
Write to the Branch Manager, URV, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY who will review the claims office decision.
If you are still not satisfied with the outcome you may:
Ask the Financial Ombudsman Service (FOS) to review your case. Their address is Exchange Tower, Harbour Exchange Square, London, E14 9SR. Tel: 0800 023 4567 if calling from a landline or
0300 123 9123 if calling from a mobile, www.financial-ombudsman.org.uk
You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify FOS on your behalf.
URV, Branch Office of Union Reiseversicherung AG for the United Kingdom and the Republic of Ireland Registered in England & Wales. Company No. FC024381 Branch No. BR006943A public body corporate with limited
liability.
Registered Office: Maximilian Strasse 53, D-80530 Munich, Germany. Registered with Amtsgericht Munich, Germany Registered Number: HRB 137918 Union Reiseversicherung AG are authorised in Germany by BaFin
and subject to limited regulation in the United Kingdom by the Financial Conduct Authority and in the Republic of Ireland by the Insurance Regulator.
Union Reiseversicherung AG are members of the Financial Services Compensation Scheme.
Administered in the United Kingdom and Ireland by Travel Insurance Facilities plc. Registered Office: 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY Registered in England. Registered Number: 3220410.
Travel Insurance Facilities plc are authorised and regulated by the Financial Conduct AuthorityTravel Claims Facilities and Emergency Assistance Facilities are trading names of Travel Insurance Facilities plc are authorised
and regulated by the Financial Conduct Authority.

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YOUR IMPORTANT

IF YOU NEED A CLAIM FORM:

Goodtogoinsurance.com is a trading name of Ancile

Criteria for purchase

Our pledge to you

YOUR PRE-TRAVEL POLICY

CRITERIA FOR PURCHASE

Have not started the trip.

ACCURATE & RELEVANT INFORMATION

YOUR IMPORTANT CONTACT NUMBERS

FOR MEDICAL SCREENING CALL ON 0330 024 9949

FOR LEGAL ADVICE

IN CASE OF A SERIOUS EMERGENCY

+44 (0) 0203 829 3 816

your telephone number in case you are cut off.

NEVER give your passport to a clinic or hospital.

OUT-PATIENT TREATMENT OR MINOR INJURY OR ILLNESS

WHAT IF YOU WANT TO COME HOME EARLY?

HEALTH/EXISTING MEDICAL CONDITIONS

awaiting medical treatment or investigation;

been diagnosed by a medical practitioner as suffering from a terminal illness.

You must be fit to undertake your planned trip;

HOW YOUR POLICIES WORK

Australia and New Zealand.

Any deterioration or change in your

Jersey, Guernsey, Alderney, Sark ,

spouse or partner of over six months,

the cutting short of your trip by your

underwear, socks, toiletries and a change of

continent of Europe west of the Ural Mountains,

As Europe 1, but including Spain, the Canaries,

a service using the same airline or airline flight

Your permanent residence in the United

the airport, international rail terminal or

a piece of important information that

work involving the lifting or carrying of

Wheelchair, motorised wheelchair,

two or more items of possessions that

Piste skiing, including skiing on areas in

Sterling or foreign currency in note or

both the United Kingdom the Channel Islands

any person named on the insurance certificate.

each of your suitcases and

buses, coaches, internal flights or trains that

an airline that publishes a timetable and

skis, ski bindings, ski sticks, ski boots, board

any recreational activity that requires skill and

Mobile phones, i-pods, i-pads,

If you are taking part in any sport/activity

any items purchased at duty free.

being an employee where you

a holiday or journey that begins

left away from your person where

United Kingdom - England, Wales,

boots, shoes, trainers and sandals.

current passports, ESTAs, valid visas, travel

means a person who has had their main home

Union Reiseversicherung AG UK.

Conditions and Exclusions applying to your policies