TRAVEL INSURANCE

This document is only valid when issued in conjunction with a Downunder Insurance Validation Document between 1^st March 2005 and 28^th February 2006 for journeys ending prior to 31^st August 2007 and provided the appropriate insurance premium has been paid. Please keep these documents in a safe place and carry them with you when you travel.

Definitions etc..

Sections of Insurance

Final

Schedules Of Cover General Information Important Information Health Conditions Hazardous Activities "Cooling Off" Period Definitions Manual Labour Terrorist Act Valuables Wintersports Trip (Single, One-Way & AMT) Geographical Areas

Sections of Insurance Cancellation & Curtailment Catastrophe Personal Accident Medical & Other Expenses Hospital Benefit Personal Belongings, baggage & money Personal Belongings & Baggage Personal Money Travel Documents Vehicle Personal Luggage Extension Safari/Campervan Luggage Extension Abandoning Your Holiday & Travel Delay Travel Delay Holiday Abandonment Hijack Missed Departure Personal Liability Legal Expenses Winter Sports Cover Winter Sports Equipment Ski Hire Ski Pack Piste Closure Avalanche Cover Golf Cover Golf Equipment Golf Equipment Hire Green Fees

Medical & Other Emergencies Important Claims Information Customer Service Financial Services Compensation Scheme The Insurance General Conditions General Exclusions

GENERAL INFORMATION   back to top

Insurers

This insurance is provided by AIG Europe (UK) Limited and underwritten by New Hampshire Insurance Company.
AIG Europe (UK) Limited is an appointed representative of New Hampshire Insurance Company. New Hampshire Insurance Company is authorised and regulated by the Financial Services Authority and is a member of the Association of British Insurers. AIG Europe (UK) Limited and New Hampshire Insurance Company are member companies of American International Group, Inc. (AIG).
AIG Europe ( UK ) Limited, The AIG Building , 58 Fenchurch Street , London EC3M 4AB .

Health Agreements

When you are travelling to a European Union Country, you should collect a form E111 from your local post office or download an application from www.dh.gov.uk. After 31/12/2005 this will be replaced with the European Health card. This entitles European citizens to benefits from the reciprocal health agreements which exist between European Union Countries. In the event of liability being accepted for a medical claim which has been reduced by the use of an E111 form (or other reciprocal health agreements), the applicable policy excess under Section 3a (Medical and other expenses) will not be applied (unless special terms have been imposed).

When you are travelling to Australia or New Zealand and you have to go to hospital, you must register for treatment under the national Medicare or equivalent scheme of those countries.

IMPORTANT INFORMATION  back to top

Contract of Travel Insurance

This is your contract of insurance. It contains certain conditions and exclusions in each section and general conditions and exclusions applying to all the sections. You must meet these conditions or we may not accept your claim.

Eligible Persons

Policies are only available for persons up to 55 years of age at the date of purchase. You must have been resident in the United Kingdom , Channel Islands, Isle of Man or Eire at the time you bought or renewed your policy (unless an overseas application or extension for which the correct form has been completed and submitted to the agent and thereafter approved by us).

Health Conditions  back to top
This insurance contains conditions that relate to your health and the health of others who might not be travelling with you but whose well being your trip may depend on. In particular we do not cover medical problems that you or they had before the cover started, unless the medical condition has been declared to and accepted by underwriters. However, the following conditions may be accepted under the terms of the Policy, without a declaration being made, provided you or the person whose well being your trip may depend on:

1.        has received no treatment as a hospital in patient or out patient in the 12 months prior to taking out this policy

2.        is not undergoing or waiting to undergo further tests or consultation

3.        is not on a hospital waiting list

4.        their condition is stable

5.        is not travelling against the advice of a doctor or to seek medical treatment abroad

6.        has not been referred to a specialist or consultant in the previous 12 months or is waiting to see a specialist or consultant   Abcess/Boil Fractures, provided successfully repaired Lipoma (Benign Fatty Lump) Acne Gall Bladder Removal Migraine Allergy, provided allergic reaction is not life Glandular Fever Overactive Thyroid threatening Glaucoma Perforated Ear Drum Appendectomy Goitre Polyps Benign Asthma, Mild * Gout Psoriasis Bells Palsy Grommets Rhinitis Benign Lump/Growth Haemorrhoids Sinus Problems Cartilage Damage Hiatus Hernia Sinusitis Damaged Ligaments High Blood Pressure *** Talipes (Club Foot) Dermatitis provided not taking oral steroids Hormone Replacement Therapy Tendon Problems Diabetes Mellitus ** Hypertension *** Thyroid Problems Dislocation Hyperthyroidism Tinnitus Ear Infection Hypothyroidism Tonsilectomy Eczma - provided not taking oral steroids Hysterectomy (Non Cancerous) Twisted Ovaries Endometriosis Impotence Underactive Thryoid Enlarged Prostate (Benign) Indigestion Varicose Veins Fatty Lump (Benign) Irritable Bowel Syndrome Vasectomy Fibroids Knee Replacement Vertigo

* On up to 2 types of medication (excluding oral steroids), well controlled, suffered in isolation. No cover if taking oral steroids
** Provided controlled by diet/tablets only, suffered in isolation and no associated kidney/blood vessel/nerve/eye/circulation problems
*** Provided suffered in isolation and you are taking no more than 2 types of medication

If you or any others who might not be travelling with you but whose well being your trip may depend on have, at the time of arranging this insurance (or if there is a change in medical condition(s) between the date of arranging your policy and the booking of each trip if you have purchased an Annual Multi-Trip Policy) have suffered from any medical conditions not referred to above, please contact Downunder on 0800 393 908 who may be able to accept the stated condition(s) in return for additional premium and/or changes in terms. Please also see General Exclusion 1.

Excesses
Under most sections of this insurance you have to pay the first part of any claim, an excess. This amount is shown under each of the sections where it applies.

Upon payment of an additional premium, your policy can include an Excess Waiver which will reduce all excesses to nil (except for increased medical excesses due to declared hazardous activities).

Hazardous Activities  back to top
You may not be covered when you take part in certain sports or activities if there is a high risk you will be injured. The table below details those Hazardous or Sporting Activities that are covered at no additional premium under this policy (and do not need to be declared), as well as those which need to be declared and require the payment of additional premium.

Please Note: Any activity not listed below (or any of the below sports on a professional basis), which can be considered to be 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. Any activities for which cover has been agreed (except those which do not require declaration as per the table below) will be outlined on an endorsement which accompanies or appears on your Insurance Validation Document.

Where applicable, your activity should only be performed if conducted under the supervision of a qualified guide or organisation, with all relevant local safety requirements being observed and the relevant safety equipment being utilised.