General Exclusions of a Downunder Insurance UK Policy
General Exclusions
We will not cover the following:
1. We shall not be liable for claims which arise from or result from, a trip that you take or, any person who might not be
travelling with you but whose well being your trip may depend on, if:
a. You are aware of any medical condition or set of circumstances which could reasonably be expected to give rise to a claim.
b. Any person, including those not travelling, whose condition might give rise to a claim:
i. Is suffering from, or has suffered from, any diagnosed psychological or psychiatric disorder, anxiety or depression; or
ii. Is receiving or awaiting consultation, investigation or treatment in a hospital or nursing home; or
iii. Is travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad; or
iv. Will be more than 24 weeks pregnant at the date of arrival home; or
v. Has been given a terminal prognosis
c. Further, we shall not be liable for claims in respect of a medical condition or any illness related to a medical condition which you or they knew about before you bought this insurance
i. unless the claim relates to a medical condition listed under the Health Section on Page 1 of this Policy Wording and you fall within the acceptance criteria as set out on Page 1 under the Health Section; or
ii. unless you have declared the pre existing medical condition by contacting Downunder on 0800 393 908 and the condition has been accepted for cover.
Please Note: You must ensure that you advise Downunder of any change in circumstances of yourself or any others on whose well being your trip may depend on, occurring after the policy has been issued and prior to travel. We reserve the right to alter the terms in line with the change in risk.
2. Any claim arising out of War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power.
3. Loss or damage directly or indirectly caused by any Government, public or local authority legally taking or damaging your property.
4. Any claim arising from or as a result of civil commotions, riots or strikes of any kind (except for strikes which were not public knowledge when your trip was booked).
5. Loss, or damage to any property, or any loss, expense or liability arising from:
a. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the burning of nuclear fuel; or
b. the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of it.
6. If at the time of loss, damage or liability arising under this insurance there is any other insurance covering the same loss, damage or liability, we will only pay our share.
7. Loss, destruction or damage directly caused by pressure waves resulting from any aircraft or other flying object travelling at or above the speed of sound.
8. Any claim arising from you being in, or entering, or leaving any aircraft other than as a fare-paying passenger in a fully-licensed passenger-carrying aircraft (unless declared to Downunder and an endorsement accompanies or appears on your Insurance Validation Document to show the appropriate premium has been paid by you to fly a private/small aircraft or helicopter).
9. Any other loss connected to the event you are claiming for unless we provide cov
er under this insurance.
10.Any claim resulting from the tour operator, airline or any other company, firm or person becoming insolvent, or being unable or unwilling to fulfil any part of their obligation to you.
11.Any claim arising or resulting from you being involved in any malicious, reckless, illegal or criminal act.
12.Motor Racing or Vehicle Racing of any kind.
13.Winter Sports (unless the appropriate premium has been paid by you for Winter Sports cover as shown on your Insurance Validation Document or if you have arranged an Annual Multi-Trip Comprehensive Policy, cover is available for up to 21 days during the period of insurance).
14.Any Hazardous Activity which requires the payment of appropriate additional premium unless we have agreed in writing to cover the activity as shown on an endorsement which accompanies or appears on your Insurance Validation Document and the relevant premium has been paid by you if required. You should refer to the Table showing theHazardous Activities on Page 8 of this Document for full details in this respect.
15.Any claim arising from you travelling to a country where the Foreign and Commonwealth Office have advised against travel of any kind.
16.Any claim arising or resulting from (i) your suicide or attempted suicide, or (ii) your depression, anxiety, mental strain, depressive illness of any type, or (iii) injuring yourself deliberately or putting yourself in danger (unless you are trying to save a human life).
17. Any claim resulting from you being under the influence of, or in connection with, the use of alcohol, where it has impaired your actions or drugs unless prescribed by a doctor or you being affected by any sexually transmitted disease or condition.
18. Any claim resulting from you failing to obtain the required inoculations or vaccinations.