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|
This policy is a CONTRACT OF
INSURANCE. It contains details of the cover,
conditions and exclusions relating to each
Insured Person and is the basis on which all
claims will be settled. In consideration of the
payment of the required premium, Travel and
Personal Underwriters Limited (the Underwriting
Agents) hereby agree to pay or indemnify the
Insured Person or his/her personal
representative as follows; subject to the terms,
conditions and exclusions of this policy, on the
certificate or schedule and in the application
form.
We must draw your attention to a number of
important features of this insurance. PLEASE
READ THESE FEATURES AND THE WHOLE OF THIS
DOCUMENT CAREFULLY. |
|
Insurance
Policy: this contains full details of the
cover provided plus the conditions and
exclusions which apply to it. You must
read the insurance policy carefully.
Conditions and Exclusions:
there are conditions and exclusions which apply
to individual sections and general conditions
and exclusions which apply to the whole policy.
Date Change Exclusion:
changes in dates could see widespread failure of
computer and other systems containing computer
chips, which depend on date-related information
in order to work properly. Other than in respect
of Sections 2 and 3 your policy excludes
anything directly or indirectly caused by
failure of any computer hardware or software or
other electrical equipment to recognise or
process any date as its true calendar date.
Medical Expenses: the policy
does not provide private health treatment unless
specifically approved by the emergency service.
Health: the certificate
contains conditions relating to the health of
the people travelling and others upon whose
well-being the trip may depend. It may be that
you are required to disclose the condition of
such people prior to cover being issued and you
must be aware that the failure to disclose such
information will prejudice your position in the
event of a claim. Please see the section
entitled: "Health Conditions".
Property claims: these are
settled on an indemnity basis - not a "new
for old" or replacement cost basis, unless
otherwise stated in the policy.
Limits: most sections of the
policy have limits on the amount the insurer
will pay under that section. Some sections also
include inner limits eg: for one item, or for
valuables in total.
Law applicable: this policy
is subject to English Law, unless you and the
insurer have agreed otherwise.
Excesses: claims under most
sections of the policy will be subject to an
excess. Where there is an excess, you will be
responsible for paying the first part of a
claim.
Reasonable care: you are
required to take all reasonable care to protect
yourself and your property and to act as though
you are not insured.
Complaints: the insurance
policy includes a complaints procedure that
tells you what steps you can take if you wish to
make a complaint.
"Cooling-Off" Period:
the policy contains a "Cooling-Off"
period which allows you to return it and obtain
a full refund, if you have a justifiable reason
to be dissatisfied with the cover provided.
Please see the section entitled:
"Cooling-Off Period".
Hazardous Activities: the
policy may not cover you when you take part in
certain hazardous activities eg: Mountaineering.
If you want cover for such activities, please
contact your issuing agent. Please see the
section entitled "Hazardous
Activities" to see what activities are
covered under the policy at no additional
premium, what activities can be included in
return for additional premium and what to do if
you wish to participate in an activity not
listed.
Pregnancy: This policy does not cover
pregnancy where the Insured Person is expected
to give birth before or within 14 weeks of the
date of arrival home.
Countries or areas where cover is excluded: Please
be advised that this policy will not cover you
for any claim whatsoever in the event that you
travel to a country or area that (at the
commencement of your trip) the Foreign and
Commonwealth Office Advisory Unit has advised
against all travel, or against travel for
essential purposes. As such, prior to travel you
should visit the following website (www.fco.gov.uk/knowbeforeyougo)
to ascertain the FCO's position on your chosen
destination(s). If one or more of your
destinations is listed, please be aware that
cover under this policy will not apply. |
|
| The
Underwriting Agents/We/Us/Our |
Travel and
Personal Underwriters Ltd. |
| Insured
Person/You/Your/Yourself |
Each person named
on the Schedule/Certificate. |
| Holiday/Journey/Trip |
Any Holiday/Journey,
business or pleasure trip within the
geographical limits and the duration for which
the appropriate premium has been paid. |
| Home |
Your
normal place of residence in the United Kingdom,
Channel Islands, Isle of Man or Eire. |
| Business
Associate |
Any person whose
absence from the business for one or more
complete days at the same time as Your
absence prevents the effective continuation of
that business. |
| Medical
Practitioner |
A registered
practising member of the medical profession who
is not related to You or any person with
whom You are travelling. |
| IMR
Medical Emergency Service |
International
Medical Rescue. |
| Close
Relative |
Husband, wife,
parent, step-parent, parent-in-law, child,
step-child, son-in-law, daughter-in-law,
brother, step-brother, sister, step-sister,
fiancé(e) or partner. |
| Valuables |
Jewellery, furs,
watches, articles made of or containing precious
metals or stones, mobile telephones, hearing
aids, sports or leisure equipment, musical
instruments, binoculars, electronic games,
audio, video, photographic or computer equipment
including any ancillary equipment or accessories
owned by You. |
|
| AREA 1 |
United Kingdom,
Isle of Man and Channel Islands. |
| AREA 2 |
Europe, including
countries west of the Ural mountains; the
Azores; Canary Islands; Iceland; Jordan; Madeira
and countries bordering the Mediterranean Sea
(except Algeria, Lebanon & Libya). |
| AREA 3* |
Worldwide
excluding USA & Canada. |
| AREA 4* |
Australia &
New Zealand. |
| AREA 5 |
Worldwide
including USA & Canada. |
| *Policyholders,
who have chosen cover for Areas 3 or 4, should
note that this policy extends their cover to
include Area 5 for up to 25% of their trip
duration. |
|
Here are some
important notes that could assist You:
- Any loss of or damage to baggage whilst in
the custody of a carrier (Airlines etc.)
must be notified immediately to the carrier
and a written report obtained. In the case
of an Airline, a Property Irregularity
Report must be obtained.
- Any loss, theft or suspected theft of
property, money or valuables must be
reported to the local police immediately
upon discovery and a written report
obtained. If there is a representative of
the Travel Organiser in the locality they
should also be informed.
- A receipt must be obtained for any
expenditure which might be the subject of a
claim. Evidence of purchase or if not
purchased by You, evidence of ownership and
value will be required in support of claims
under Section 4.
- If medical attention is required, a
Medical Certificate must be obtained from
the Medical Practitioner providing such
treatment, detailing the nature of the
illness or injury.
- No payment will be made to You if You are
travelling against medical advice or for the
purpose of obtaining medical treatment.
- If Your Holiday/Journey is extended or
curtailed due to injury or illness arising
abroad, You are requested to obtain a letter
from the Medical Practitioner concerned,
confirming why the extension or curtailment
is medically necessary.
- Keep all bank vouchers, travellers cheques
details, currency conversion slips as they
will be required in the event of a claim for
a loss of Money.
- Wherever possible, You must use medical
facilities which entitle You to the benefits
of any reciprocal health agreements, such as
E111 in Europe and Medicare in Australia.
- IMR must be advised immediately in
the event of:
(a) Your hospitalisation; or
(b) Your intended repatriation for
medical reasons; or
(c) the need to return earlier than the
original booked return date when the cause
of such return may be insured under the
Curtailment section of the policy; or
(d) out-patient treatment appearing likely
to cost more than £500; or
(e) Your return Home being
delayed due to medical reasons; or Your
inability to return Home as planned
due to medical reasons.
|
* PRIVATE
MEDICAL TREATMENT IS NOT COVERED UNLESS
SPECIFICALLY AUTHORISED BY THE EMERGENCY
SERVICE.
IMPORTANT: Please carry your insurance documents
with You in case of emergency.
IN THE EVENT OF A MEDICAL EMERGENCY AND FOR
GENERAL CLAIMS, PLEASE REFER TO THE BACK PAGE OF
THIS DOCUMENT |
|
Whilst
the Insurance is not subject to a health
warranty, We shall not be liable for claims
WHERE AT THE TIME OF TAKING OUT THIS INSURANCE
(AND/OR IF ANNUAL MULTI-TRIP, PRIOR TO BOOKING
EACH SEPARATE TRIP):
- You are aware of any medical
condition or set of circumstances which
could reasonably be expected to give rise to
a claim.
- Any person, including those not
travelling, whose condition may give rise to
a claim:
a) ) has during the twelve months prior to
taking out this insurance (and/or if Annual
Multi-Trip, prior to booking each separate
Trip) suffered from any chronic and/or
recurring illness of a serious nature which
has necessitated consultation or treatment
or has been referred for further
investigations UNLESS DECLARED TO AND
ACCEPTED BY US BY RINGING:
b) is suffering, or has suffered, from any
previously diagnosed psychiatric disorder,
anxiety or depression; or
c) is receiving, or on a waiting list for,
treatment in a hospital or nursing home; or
d) is over 26 weeks pregnant on the date of
arrival home; or
e) is travelling against the advice of a
Medical Practitioner or for the purpose of
obtaining medical treatment abroad; or
f) has been given a terminal prognosis.
N.B.: The Underwriting Agents must be
notified of any changes in circumstances of
Yourself or any Close Relatives occurring
after the policy has been issued and prior
to departure and We have the right to change
the terms in line with the change of risk.
|
|
| All
material facts must be disclosed to Us. Failure
to do so may affect Your rights under the
insurance. A material fact is a fact likely to
influence Us in the acceptance or assessment of
the insurance (for example, Your state of health
or that of a Close Relative). If You are in any
doubt as to whether a fact is
"material", then for Your own
protection it should be disclosed. |
|
| Travellers
to European Union countries are strongly advised
to obtain form E111 from their local Post
Office. This will entitle European citizens to
benefit from the reciprocal health arrangements
which exist between European Union countries. In
the event of liability being accepted for a
medical expense which has been reduced by the
use of an E111 form (or other reciprocal health
agreements) or Private Health Insurance, the
applicable Medical & Other Expenses section
excess will not be applied. This does not apply
where special excess terms have been imposed. |
|
When
travelling with Downunder Travel Insurance, You
are automatically covered for the following
amateur activities without paying any additional
premium:
Archery, Badminton, Baseball,
Basketball, 3 Bungee Jumps, Canoeing, Cricket,
Cycling, Golf, Jogging, Horse Riding (no Polo,
Hunting, Jumping) up to 7 days, Marathons,
Motorcycling (under 50cc), Netball,
Orienteering, Parascending (over water),
Rambling, Roller Blading (Inline Skating / Skate
Boarding), Running (both Sprint & Long
Distance), Safari, Snorkelling, Squash,
Swimming, Surfing up to 14 days, Scuba Diving
(max depth 30 metres) up to 14 days, Tennis,
Triathlons, Volleyball, Water Polo, Water
Skiing, White/Black Water Rafting or Kayaking
(Grades 1 - 4), Windsurfing and Yachting (both
racing and crewing) inside territorial waters.
The following amateur activities are
also automatically covered without paying any
additional premium, but the policy excludes any
cover under the Personal Accident and Personal
Liability sections:
Abseiling, Boxing Training, Camel /
Elephant Riding or Trekking, Cycle Touring,
Flying or a Passenger (in private/small aircraft
or helicopter), Football, Go Karting, Hiking
(over 2,000 metres, but under 6,000 metres),
Hockey, Horse Riding (no Polo, Hunting, Jumping)
over 7 days, Hot-Air Ballooning, Jet boating,
Jet Skiing, Kayaking, Manual Labour (at ground
level, no machinery), Martial Arts (training
only), Motorcycling (over 50cc) - no Racing,
Mountain Biking, Parachuting, Rugby, Scuba
Diving (max depth 40 metres) over 14 days, Sea
Canoeing, Sky Diving, Snow Mobiling, Surfing
over 14 days, Trekking (over 2,000 metres, but
under 6,000 metres).
Furthermore, the following amateur
activities can be covered by declaring to, and
paying an ADDITIONAL premium to, the issuing
agent, but the policy excludes any cover under
the Personal Accident and Personal Liability
sections and the excess under the Medical
section of cover is increased to £300:
American Football, Gliding,
Hot-dogging, Hydro-Sledding, Kite Surfing,
Paragliding, Parascending (over land), Sand
Yachting, White/ Black Water Rafting or Kayaking
(Grade 5 to 6), Yachting (racing or crewing)
outside territorial waters. All these activities
can only be performed if conducted under the
supervision of a qualified guide or
organisation, with all relevant local safety
requirements being observed and relevant safety
equipment being utilised.
Also, the following amateur
activities can be covered by declaring to, and
paying an ADDITIONAL premium to, the issuing
agent, but the policy excludes any cover under
the Personal Accident and Personal Liability
sections and the excess under the Medical
section of cover is increased to £500:
Canyoning, Cliff Walking/Jumping,
Hang-Gliding, High Diving, Gorge Walking, Horse
Jumping (no Polo or Hunting), Micro Lighting,
Parasailing, Rock Climbing (not Mountaineering),
Rock Scrambling, Via Ferrata. All these
activities can only be performed if conducted
under the supervision of a qualified guide or
organisation, with all relevant local safety
requirements being observed and relevant safety
equipment being utilised.
Any activity not listed above (or
any of the above sports on a professional
basis), which could be considered a hazardous
activity, sport, pastime or employment
(involving an increased risk of injury), will
NOT be covered under the policy UNLESS declared
to, and accepted by, Downunder at the time of
taking out the policy in return for additional
premium and/or changes in cover. |
|
| If,
after reading the policy, You are not satisfied
with it for any reason, You must return it to
the Issuing Agent within 14 days of issue (or in
the case on an Internet Purchase, notify the
Issuing Agent) in order to receive a full refund
of premium, providing that a claim does not
exist and travel has not taken place. |
|
Single
- A single return Holiday/Journey, beginning and
ending in the United Kingdom, Channel Islands,
Isle of Man or Eire. Cover for a Holiday/
Journey within the United Kingdom, Channel
Islands or Isle of Man only applies when
accommodation has been pre-booked for two or
more nights.
One Way - A single, outward
Holiday/Journey, beginning in the United
Kingdom, Channel Islands, Isle of Man or Eire.
The Period of Insurance shall expire normally or
in any event no later than 24 hours after the
time You first leave the immigration control of
Your final destination country.
Annual Multi-Trip - Any
number of return Holidays/Journeys,
subject to the following:
- A maximum duration of 31 days any one Holiday/Journey,
unless the 45 or 60 day uplift extension has
been purchased.
- Cover for a Holiday/Journey within
the United Kingdom, Channel Islands or Isle
of Man only applies when accommodation has
been pre-booked for two or more nights.
- Wintersports cover is limited to 21 days
in total per policy year.
|
|
Single
& One Way
Under Section 1 (Loss of Deposit and
Cancellation) insurance is effective from the
date of issue of the policy and terminates on
commencement of the planned Holiday/Journey (or
the expiry of the policy).
In respect of Curtailment and all
other sections, insurance commences when You
leave Your usual place of residence or business
(whichever is the later) to commence the Journey
until the time of return to Your place of
residence or business (whichever is the earlier)
on completion of Your Journey (or the expiry of
the policy). In any event not to commence more
than 24 hours prior to the booked departure time
or cease more than 24 hours after Your return.
In respect of one way Journeys only,
the Period of Insurance will terminate with
whichever occurs first of the following; the
expiry of the policy or 24 hours after the time
You first leave immigration control of Your
final destination country.
Annual Multi-Trip
Under Section 1 (Loss of Deposit and
Cancellation) insurance is effective from the
later of either the date of issue of the policy
or the time at which the Journey is booked and
terminates on commencement of the planned
Holiday/Journey (or the expiry of the policy).
In respect of Curtailment and all
other sections, insurance commences when You
leave Your usual place of residence or business
(whichever is the later) to commence the Journey
until the time of return to Your place of
residence or business (whichever is the earlier)
on completion of Your Journey (or the expiry of
the policy). In any event not to commence more
than 24 hours prior to the booked departure time
or cease more than 24-hours after Your return.In
the event Your Holiday/Journey exceeds 31 days
duration, only the first 31 days will be covered
hereunder (or 45 days / 60 days respectively if
the 45 or 60 day uplift extension has been
purchased).
If due to unforeseen circumstances
beyond Your control, the Holiday/Journey cannot
be completed within the Period of Insurance (as
stated on the attached certificate), cover will
be extended for up to a maximum of 30 days at no
extra cost.
Signed for and on behalf of the Insurers
J Carnie - Managing Director.
Travel and Personal Underwriters Ltd.
65-68 Leadenhall Street, London EC3A 2AD. |
|
We
will reimburse You, up to the maximum limit
specified in the Schedule of Cover, in respect
of irrecoverable deposits or charges paid in
advance or contracted to be paid for travel,
accommodation, car hire, excursions, tours and
activities not used by You, as a direct result
of the Holiday/Journey being necessarily and
unavoidably cancelled owing to:
- Your death, injury or illness or
that of Your spouse.
- the death, serious injury or illness of:
(a) any Close Relative of Yours; or
(b) any Business Associate of Yours;
or
(c) a person with whom You had
planned to travel; or
(d) any person with whom You had
arranged temporarily to reside with during Your
Trip.
- You or any person with whom You had
planned to travel being subject to jury
service, attendance under subpoena as a
witness at a Court of Law (other than in the
line of duty), compulsory quarantine, or
being made redundant (provided that You or
that person is under 65 and has been
employed on a continuous full time basis
with the same employer for at least two
years).
- Your being prevented from travelling to
the intended destination by Government
restriction following an epidemic.
- fire, theft, storm or flood occurring at
Your Home, when You are requested to remain
by the Fire/Police authorities all occurring
after the insurance has been issued and
before the commencement of the
Holiday/Journey.
- accident to Your vehicle within 7 days
prior to the intended date of departure
after the insurance has been issued
(provided that You have booked a self drive
Holiday/Journey/Trip).
- the posting overseas or emergency and
unavoidable requirements of duty of Armed
Forces, Police, Fire, Nursing or Ambulance
Services.
Please note: The insurance in
respect of that Trip will cease once You
have made a claim for Cancellation. Condition:
Where cancellation is due to serious injury or
illness, it is a condition of this policy that You
must obtain a certificate from the treating Medical
Practitioner, prior to the intended date of
travel, confirming the need to cancel. You
must notify the claims department immediately. |
|
We
will reimburse You, up to the maximum limit
specified in the Schedule of Cover, for Your
prepaid (prior to departure) accommodation, car
hire or excursion expenses for the
Holiday/Journey which You do not use, including
additional reasonable travelling expenses if You
have to curtail Your Holiday/Journey and return
Home (or to Your final destination country if a
one way Trip) as a result of:
- Your death, serious injury or serious
illness (occurring during the period of the
Holiday/Journey) or that of any person with
whom You are travelling or any Close
Relative or Business Associate of Yours.
- the hi-jack of the aircraft, vessel or
vehicle in which You are travelling.
- fire, theft, storm or flood occurring at
Your Home, when You are requested to return
by the Fire/Police authorities.
- the posting overseas or emergency and
unavoidable requirements of duty of Armed
Forces, Police, Fire, Nursing or Ambulance
Services.
Please note: Curtailment claims will be
calculated from the day You return to the United
Kingdom, Channel Islands, Isle of Man or Eire
(or Your final destination country in respect of
one way Trips) or You are hospitalised as an
in-patient. Your claim will be based solely on
the number of complete days forfeited. In
respect of travel expenses, We will pay for any
reasonable additional costs but not for the loss
of Your pre-booked arrangements.
Conditions:
- Where curtailment is due to Your serious
injury or serious illness, a certificate
must be obtained from the treating Medical
Practitioner abroad, confirming the
necessity to return to Your permanent
address in the United Kingdom, Northern
Ireland, Channel Islands, Isle of Man or
Eire (or Your final destination country in
respect of one way Trips), or appropriate
medical facility.
- The prior approval of IMR must be obtained
to confirm the necessity to return Home (or
to Your final destination country if a one
way Trip) for any reason or by any method
other than as originally planned. Failure to
do so may affect the assessment of Your
claim.
|
|
| We
will reimburse You, up to the maximum limit
specified in the Schedule of Cover, if You are
forced to relocate as a result of a natural
catastrophe (which means fire, lightning,
explosion, earthquake, storm, tempest,
hurricane, flood or major outbreak of infectious
disease), in respect of additional travel and
accommodation expenses necessary to continue
Your Holiday/Journey (or in the event that this
is impossible, return Home or to Your final
destination country if a one way Trip). |
|
We
will not pay claims arising:
- where the person whose condition gives
rise to a claim is receiving or on a waiting
list for or has knowledge of the need for
treatment at a hospital or nursing home.
- where the person whose condition gives
rise to a claim has received a terminal
prognosis.
- from any psychiatric disorder, anxiety
state and/or depression suffered by the
person whose condition gives rise to a claim
and is diagnosed prior to the issue date of
this policy (or if an Annual Multi-Trip,
prior to booking a Trip).
- where the person whose condition gives
rise to a claim is over 26 weeks pregnant on
the date of arrival home (or arrival in
final destination country if a one way
Trip).
- if You are travelling abroad
against the advice of a Medical
Practitioner or for the purpose of
obtaining medical treatment abroad.
- from the cost of returning to the original
destination to complete the Holiday/Journey
originally planned and increased expenses
related to further accommodation there.
- from ongoing medical conditions unless
declared to and accepted by Us.
- any costs incurred in respect of visas
obtained in connection with the Trip.
- failure to obtain the necessary passport,
visa or permit required for your journey.
- disinclination to travel.
- the applicable excess as stated on the
Schedule of Cover.
|
|
If You
sustain accidental bodily injury caused by:
(a) violent external and visible means or
(b) exposure resulting from an accident to an
aircraft, vessel or vehicle in which You
are travelling and provided such injury, solely
and independently of any other cause results,
within twelve calendar months of the date of the
accident, in death or disablement as defined
below, We will pay one of the following benefits
(as specified in the Schedule of Cover):
- Death.
- Loss of one or more limbs and/or sight in
one or both eyes.
- Permanent Total Disablement.
Definitions:
Loss of limb means permanent loss by
physical severance at or above the wrist or
ankle.
Loss of sight means complete and
irrecoverable loss of all sight.
Permanent Total Disablement means
total disablement from engaging in or attending
to any occupation for at least twelve months
from the date of injury and at the end of that
time being beyond hope of any improvement. |
|
We
will not pay:
- for claims resulting from motorcycling
involving a motorcycle in excess of 50cc.
- for claims resulting from those Hazardous
Activities listed where cover under Section
2 has been excluded.
- for claims arising out of manual labour in
connection with Your trade, business
or profession.
|
|
We
will reimburse You, up to the maximum limit
specified in the Schedule of Cover, in respect
of the:
- reasonable emergency ambulance, medical,
surgical and hospital treatment incurred as
a result of Your injury or unforeseen
illness, occurring during the period of the
Holiday/ Journey. At the sole discretion of
IMR, who reserve the right to make the final
decision as to whether or not it is
medically necessary, this also includes the
cost of repatriation to the United Kingdom,
Channel Islands, Isle of Man or Eire (or
final country of destination if a one way
Trip), by whatever means deemed medically
necessary. Emergency dental treatment is
covered up to £250 for the immediate relief
of pain only excluding the fitting of crowns
and additional cosmetic treatment.
- reasonable additional accommodation (room
only) and travel costs (if You cannot use
the return portion of your ticket)
necessarily and unavoidably incurred by:
(a) You where it is necessary for You to
stay beyond the intended return or onward
travel date due to Your illness or injury;
or
(b) A relative or friend required on medical
advice to travel to, remain with or escort
You as a result of Your death, serious
injury or serious illness.
- Reasonable charges for burial or cremation
in the event of Your death outside of the
United Kingdom, Channel Islands, Isle of Man
or Eire (or final country of destination if
a one way Trip), in the locality where death
occurs and/or the cost of transport of body
or ashes to the United Kingdom, Channel
Islands, Isle of Man or Eire (or final
country of destination if a one way Trip),
for an amount not exceeding £5,000.
- Cost of transporting Your remains to the
normal place of residence if death occurs in
the United Kingdom, Channel Islands, Isle of
Man or Eire (or final country of destination
if a one way Trip), for an amount not
exceeding £1,000.
Please note: We reserve the
right to repatriate You to the United Kingdom,
Channel Islands, Isle of Man or Eire (or final
country of destination if a one way Trip) when,
in the opinion of the Medical Practitioner in
attendance and IMR, You are fit to travel.
Please also note:
Repatriation expenses will involve the use of
identical class of travel to that utilised on
the outward Journey, unless agreed by Us or IMR
that the ticket can be upgraded. |
|
| If
You are admitted to a hospital outside the
United Kingdom, Channel Islands, Isle of Man or
Eire (or final country of destination if a one
way Trip) as an in-patient owing to accidental
bodily injury or illness sustained outside Your
country of residence after the issue date, We
will pay You the benefit specified in the
Schedule of Cover, for each complete 24 hours
You are in hospital. |
Condition
applicable to Sections 3(a) & 3(b)
It is a condition of this insurance
that IMR MUST be notified immediately of any
illness or injury which necessitates admittance
to a hospital abroad as an in-patient, or
out-patient if costs are likely to exceed £500,
or before any arrangements are made for
repatriation. IMR must also be notified if Your
return or onward Journey is delayed due to
medical reasons. Failure to do so will prejudice
Your claim. |
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We
will not pay for claims where:
- treatment or aid is obtained in the United
Kingdom, Channel Islands, Isle of Man or
Eire (or final country of destination if a
one way Trip).
- surgical or medical treatment which in the
opinion of the treating Medical Practitioner
can be reasonably delayed until Your return
to the United Kingdom, Channel Islands, Isle
of Man or Eire (or final country of
destination if a one way Trip).
- there is an additional cost of single or
private room accommodation at a hospital or
nursing home, except where the treating
Medical Practitioner considers it necessary
for You to occupy such accommodation.
- You are receiving or on a waiting list for
or have knowledge of the need for treatment
at a hospital or nursing home.
- You have, prior to departure,
received a terminal prognosis.
- there is any anxiety state and/or
depression suffered by You and diagnosed
prior to the date of issue of this policy
(or if Annual Multi-Trip, prior to booking a
Trip).
- You are are over 26 weeks pregnant on the
date of arrival home (or arrival in final
destination country if a one way Trip).
- You are travelling against the
advice of a Medical Practitioner or
for the purpose of obtaining medical
treatment.
- You are suffering from any ongoing
medical conditions unless declared to and
accepted by Us.
- costs and expenses incurred more than
twelve months after Your return date
(or arrival in final destination country if
a one way Trip).
- We shall not be liable for:
(a) any expenses or fees for in-patient
treatment or repatriation which have not
been notified to and authorised by Us
or IMR.
(b) any costs in respect of telephone calls
other than the first telephone call to IMR
notifying them of the problem.
(c) the cost of any elective treatment or
surgery including exploratory tests, which
are not directly related to the illness or
injury which necessitated Your
admittance to hospital.
(d) any expenses incurred as a result of a
tropical disease where the recommended
inoculations have not been undertaken.
(e) any taxi fares other than when the taxi
is used for emergency ambulance purposes
- the applicable excess as stated on the
Schedule of Cover.
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- We will reimburse You, up to
the maximum limit specified in the Schedule
of Cover, in respect of accidental loss,
theft or damage to:
(a) Personal Luggage - which means
suitcases, trunks or like receptacles and
clothing or personal effects worn or carried
on the person all owned by (not hired,
loaned or entrusted to) You but excluding
Personal Money and Valuables. The maximum
payment for any Single Item is shown in the
Schedule of Cover.
(b) Valuables.
(c) Travel Documents - which means travel
tickets, passports, green card, visas,
accommodation vouchers, car hire vouchers
and excursion vouchers, held by You (and
reasonable expenses directly consequential
upon any such loss).
(d) Personal Money - which means cash, bank
or currency notes, cheques, travellers
cheques, postal or money orders, petrol
coupons or credit vouchers.
- In the event of Personal Luggage being
temporarily lost in transit on the outward
journey for longer than 12 hours, We will
pay, up to the maximum limit specified in
the Schedule of Cover, for the purchase of
essential items of clothing and personal
requisites. Any payments under this heading
will be deducted from claims under Section 4
1(a) in respect of the same property.
- Our maximum limit of liability in
respect of:
(a) Personal Luggage is stated in the
Schedule of Cover, subject to the limit on
Single Items (for any one article, pair or
set of articles, irrespective of single or
joint ownership) also stated therein.
(b) Valuables is stated in the
Schedule of Cover.
(c) Personal Money is stated in the Schedule
of Cover, subject to the limits for Cash
(cash, bank or currency notes whether in the
custody of one or more Insured Persons
irrespective of ownership) also stated
therein.
Basis of Claim Settlement
Claims will be dealt with on an
indemnity basis NOT "new for old".
Indemnity basis means the purchase price as
new of the article less deduction for wear
and tear and depreciation, or the cost of
repair whichever is the lesser. If an
article is damaged beyond economical repair,
a claim will be dealt with as if the article
has been lost.
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We will
not pay for claims arising from:
- accidental loss of or theft of or damage
to property left unattended other than
whilst:
(a) in Your locked accommodation
(other than money which must be locked in a
safe or safety deposit box.
(b) in a locked boot or locked and covered
luggage compartment of a motor vehicle
provided that:
(i) there is evidence of forcible and
violent entry to such vehicle.
(ii) no cover shall apply in respect of
property in vehicles left unattended at any
time between the hours of 10 pm and 8 am.
(iii) no cover shall apply in respect of
Personal Money and Valuables left in
an unattended vehicle at any time.
- Your failure to inform the Police as soon
as possible of any loss or theft of Personal
Luggage, Personal Money or Valuables and
failure to obtain a written report.
- accidental loss of or theft of or damage
to property whilst in the custody of an
airline or other carrier, unless reported
immediately on discovery. In the case of an
airline, a Property Irregularity Report must
be obtained.
- loss or theft of Personal Money and Valuables
whilst in transit from baggage not in Your
custody or control.
- Loss of or theft of or damage to:
(a) stamps and documents (other than those
specifically mentioned)
(b) spectacles, sun glasses, contact or
corneal lenses
(c) breakage or chipping of glass,
porcelain, ceramic or china or any
consequential loss resulting from such
breakage
(d) business goods or samples or business
money
(e) land, air or water craft of any kind
including cycles, but excluding any models
or toys
(f) items of a perishable nature
(g) sports equipment whilst in use.
(h) household goods and home contents.
- accidental loss or theft of travellers
cheques, unless reported to the local branch
or agent of the issuing authority as soon as
possible.
- shortages of Personal Money due to error,
omission or variations in exchange rates or
depreciation in value.
- normal wear and tear, deprecation, gradual
deterioration or mechanical or electrical
breakdown.
- accidental loss, theft or damage arising
from delay or confiscation or detention by
Customs or other official.
- loss of jewellery whilst swimming or
participating in Hazardous Activities (other
than wedding rings)
- property more specifically insured
elsewhere.
- Claims will not be considered unless
substantiated by an original sales receipt
or original valuation for any one item, pair
or set exceeding £50. In respect of Valuables,
claims will not be considered unless an
original sales receipt or original valuation
is provided.
- the applicable excess as stated in the
Schedule of Cover.
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If
the departure of the aircraft, train, coach or
sea vessel in which You had booked to
travel on the first outward leg or first return
leg of the Holiday/Journey is delayed for
at least 12 hours from the time specified on the
official itinerary supplied to You as a
result of:
- strike or industrial action
- adverse weather conditions
- mechanical breakdown of the aircraft,
train, coach or sea vessel
We will pay either:
- compensation, as specified in the Schedule
of Cover, for the first full 12 hours delay
and subsequently a further amount, as
specified, for each further 12 hours delay
up to the maximum limit specified in the
Schedule of Cover; or
- on the outward Journey, if after 12 hours
delay, You elect to abandon the
Holiday/Journey, We will pay You, up to the
maximum limit specified in the Schedule of
Cover, in respect of prepaid expenses or
expenses contracted to be paid for Your
benefit which are not recoverable from any
other source.
Please note: A claim cannot be made under
both (a) and (b) above, or under both Sections 1
and 5.
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We will
not pay for claims arising:
- where You fail to check in at the airport,
station or port of departure specified in
the official itinerary issued by the Tour
Operator, Tour Organiser or Carrier.
- where You fail to obtain written
confirmation from the carriers (or their
handling agents) of the number of hours
delay and the reason for the delay.
- from strikes or industrial action unless
the announcement and onset of the strike or
industrial action occurred after the
commencement of the Period of Insurance.
- from public demonstration, civil unrest or
any form of protest (including actions not
specifically directed at an employer or
group of employers).
- where You are entitled to the same or
similar benefit under any scheme arranged by
a Tour Operator, Tour Organiser or Carrier.
- from the applicable excess as stated in
the Schedule of Cover.
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| We
will pay You, up to the maximum limit specified
in the Schedule of Cover, the specified benefit
for each and every completed 24 hour period
during which You are held hostage due to hijack
of the transport on which You are travelling. |
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We
will not pay for claims arising:
- which are not substantiated by a Police
report confirming the length and exact
nature of the hijacking.
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We
will reimburse You, up to the maximum limit
specified in the Schedule of Cover, in respect
of additional accommodation and travel expenses
necessarily incurred to reach the overseas
destination as a result of the failure of public
transport or accident / mechanical breakdown of
the vehicle in which You are travelling to
deliver You to the final United Kingdom, Channel
Islands, Isle of Man or Eire departure point in
time to join the Holiday/Journey, due to:
- adverse weather conditions
- strike
- industrial action
- mechanical breakdown
- accident to the vehicle
provided that You shall take all reasonable
steps to arrive at the point of departure by the
time stated on the Tour Operator's brochure or
other travel documents issued by the Travel
Organiser or Carrier.
Please note: This section applies only in
respect of an outward Journey to an
overseas destination.
Condition
A repairer's report will be required in the
event of a claim in respect of car breakdown,
together with proof that the vehicle had been
properly serviced. |
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We
will not pay for:
- claims arising from strike or industrial
action prior to the commencement of
departure from Your Home or place of
business, whichever is the later.
- the applicable excess as stated in the
Schedule of Cover.
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We
will reimburse You, up to the maximum
limit specified in the Schedule of Cover, for
all sums which You are personally liable
to pay for accidents which result in:
- death or bodily injury to any person; or
- loss of or damage to their property;
occurring during the period of the
Holiday/Journey. The total amount payable
for all claims made against You arising from
any one occurrence is specified in the
Schedule of Cover. We will, in addition, pay
any legal costs and expenses awarded against
You or incurred by You with Our written
consent.
Please note: No liability
shall be admitted and no admission, arrangement,
offer, promise or payment shall be made by You
without Our written consent. We shall be
entitled, if We so desire, to take over and
conduct, in Your name, Your defence of any claim
or to prosecute for our Own benefit any claims
for indemnity, damages or otherwise against any
third party. We shall have full discretion in
the conduct of all negotiations and proceedings. |
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We will
not pay for:
- Punitive or exemplary damages.
- Liability in respect of:
(a) death of or bodily injury to Your
employees or members of Your family
or household permanently living with You
or a travelling companion.
(b) loss of or damage to property which
belongs to You or is in Your
custody or control or that of a member of Your
family or household or Your employee,
or a travelling companion.
(c) Your trade, business or
profession.
(d) the ownership or occupation of land or
building (other than occupation only, of any
temporary holiday accommodation).
(e) the ownership, possession or use of
animals (other than domestic dogs not
included in Section 1(i) of the Dangerous
Dogs Act 1991 or horses used solely for
hacking or trekking), vehicles, ships, boats
or craft of any kind.
(f) any contract or agreement unless
liability would have applied anyway.
(g) any wilful or malicious or reckless act
on Your part.
- Costs and expenses incurred after the date
on which We have offered to pay the
limit of indemnity.
- Claims arising from Hazardous Activities
when cover under this Section has been
specifically excluded.
- The applicable excess as stated in the
Schedule of Cover.
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We
shall pay legal costs and expenses, up to the
maximum limit specified in the Schedule of
Cover, incurred by You in pursuit of
compensation and/or damages against a third
party arising from or out of Your death or
personal injury occurring during the Period of
the Holiday/Journey.
Conditions
- We shall have complete control over
the legal proceedings and the appointment
and control of a lawyer.
- You must follow the legal
representative's advice and provide any
information and assistance required. Failure
to do so will entitle Us to withdraw
cover.
- We must have access to any and all
of the legal representive's file of papers.
- We may include a claim for Our
costs and expenses.
- Failure by
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