AdGold Travel Insurance Policy

Advantage Gold

Travel Insurance Policy

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Advantage Gold –Travel Insurance PolicyPolicy Number IGCS1312IMPORTANT!You can only access benefits whilst you are an AdvantageGold Bank Account holder.

If you are aged 70 or over you must contact us on 0870609 1213 to pay a premium of £50 per account, per year.You will need to be medically screened; the screeningprocess is a short medical risk assessment questionnaire with our travel insurance team. We may ask you to pay anadditional premium to cover your pre-existing conditions.We reserve the right not to extend this policy.There is a maximum journey limit of 31 days. If you requireadditional days you must call us on the number below assoon as you are aware of your journey requirements.Telephone 0870 609 1213, we will send you confirmationof cover in writing.To obtain a duplicate Travel Insurance policy document,contact Membership Services on 0845 300 3695.

If you require confirmation of cover, we recommend that you use thisbooklet and a bank statement to show that you are entitled to thisinsurance. Please note that it is not a legal requirement to havetravel insurance to book a holiday. If you require further confirmationof cover, you should contact 0870 609 1213 at least 10 workingdays before you need it. We may charge you an administration feefor providing the additional confirmation of cover.

This policy is only available to UK or Channel Islandresidents on journeys leaving and returning to the UK.

It is recommended that you read this booklet before travelling,whilst the whole policy is important, you should pay particularattention to all definitions, exclusions, conditions and claimsconditions.You should carry this booklet with you whenever you are travelling.If you are diagnosed with a medical condition, please call us on 0870 609 1213 as we may now be able to cover you. Moredetails are on page 7.Please note that if a member of your immediate family, a travellingcompanion or close business associate (whether they are travellingor not) has been a hospital inpatient or has been put on a waitinglist for hospital treatment for a medical condition, in the 12 monthsprior to you booking the journey then this policy will not coveryou for the subsequent cancellation of the journey if the claim forcancellation arises from such medical condition.– After booking but before you travel If you are diagnosed with a medical condition after you book ajourney but before you travel, this policy will provide you withcover for that journey unless you have been advised by a medicalpractitioner not to travel.– New journeys following diagnosisPlease call us on 0870 609 1213 to tell us about your newcondition before you book any new journeys. More details are onpage 7.

DEFAQTO Research was carried out by Defaqto Ltd, a supplier of qualityresearch and analysis in the financial market. Using their‘product DNA’ scores methodology and by comparing a widerange of product features they have given this NatWestAdvantage Gold Worldwide Multi-trip Family Travel Insurancepolicy a 2011 5 star rating.

ContentsImportant Information 3Welcome to NatWest Advantage Gold Travel Insurance 4Emergency Assistance 4Operation of Cover 5Extension to the Period of the Journey 5Medical Statements 5Definitions 6

Part A – Inclusive Cover 10

A Baggage 8B Personal Accident 9C Cancellation 9D Curtailment (cutting a trip short) 10E Medical and Emergency Expenses 11F Personal Liability 12G Personal Money 13H Travel Delay and Abandonment 13I Missed Connections 14J Failure of Public Transport 14K Loss of Passport/Driving Licence 14L Hospital Benefit 15M Legal Costs 15N Additional Assistance Services 16O Mugging 16P Extended Kennel, Cattery or Parking Costs 16Q Dental Expenses 16R Winter Sports – Journeys up to 31 days 16

Part B – Optional Business Cover 17

Part C – Optional Golf Cover 18

Part D – Wedding Cover – Optional Benefit 19

Part E – Hazardous Activities – Optional Benefit 19

General Exclusions 19General Conditions 20Your Information 20

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Welcome to NatWestAdvantage Gold TravelInsuranceInsurerNatWest Advantage Gold Travel Insurance is underwritten byUK Insurance Limited (UKI), who are authorised and regulatedby the Financial Services Authority. Registered Office: The Wharf,Neville Street, Leeds LS1 4AZ. Registered No. 1179980.UKI is a Royal Bank of Scotland Group Company.

How to make a claimTo notify us of a claim in the first instance please telephone0870 609 1202 8am–6pm Monday–Friday. To help usvalidate your policy please have your Advantage Goldmembership number available when you call.

To arrange Travel InsuranceFor optional ‘Top-up’ insurance cover for:a) All Insured persons aged 70 or moreb) Guestsc) Cover packages for wedding, golf, business or hazardous

activities.Please contact the NatWest Advantage Gold Travel Insurancehelpline on 0870 609 1213 8am–8pm Monday–Friday and9am–5pm Saturday.NOTE: As the policy automatically covers all Account holders,their partner and their dependent children, if you do call us toadd on any upgrades, we will not issue documents containingthe names of these people automatically, unless a medicalcondition is disclosed to us, then under the DisabilityDiscrimination Act we will write to the person with thatcondition.If you add on guests, we will send you confirmation of coverwith that person’s name shown.

Your right to cancelYou can cancel this policy at any time, however, this insuranceis included as an integral benefit within your NatWestAdvantage Gold bank account. You do not, therefore, pay aseparate premium and would not receive any refund as aconsequence of canceling the policy. Nevertheless, should youwish to cancel the policy, please return all your documents to:NatWest Travel Insurance Customer Services, PO Box 106,37 Broad Street, Bristol BS99 7NQ.

How to complainShould there ever be an occasion where you need to complain,please call us on 0870 609 1213. If your complaint relates toa claim, please call 0870 609 1202.If you prefer to write, then please address your letter asfollows: Claims related complaints to: NatWest AdvantageClaims Services, Waverly House, Farnham Business Park,Weydon Lane, Farnham, Surrey GU9 8QT.All other complaints should be addressed to: NatWest TravelInsurance Customer Services, PO Box 106, 37 Broad Street, Bristol BS99 7NQ.If we cannot resolve the differences between us, you may referyour complaint to the Financial Ombudsman Service (FOS).Their address is: South Quay Plaza, 183 Marsh Wall, LondonE14 9SR, telephone 0845 080 1800.

Details about our regulatorUK Insurance Limited (UKI) is authorised and regulated by theFinancial Services Authority (FSA). The FSA website which includesa register of all regulated firms can be visited at www.fsa.gov.uk, or the FSA can be contacted on 0300 500 5000.Under the Financial Services and Markets Act 2000, should thecompany be unable to meet all its liabilities to policyholders,compensation may be available. Insurance advising andarranging is covered for 90% of the claim without any upperlimit. Information can be obtained on request, or by visitingthe Financial Services Compensation Scheme website atwww.fscs.org.uk

UKI is on the FSA Register and UKI’s FSA Registration numberis 202810.

Statement of demands and needsWe have not provided you with a personal recommendationas to whether this policy is suitable for your specific needs.This product meets the demands and needs of those who wishto insure their travel arrangements.

Ownership The Royal Bank of Scotland Group plc is a parent company ofvarious insurance companies in The Royal Bank of ScotlandGroup who directly wholly owns and controls NationalWestminster Bank Plc.

Customers with disabilitiesThis brochure is also available in Braille, large print and onaudio cassette. Please contact your local branch for detailsand to obtain a copy of “The Disability Discrimination Act –How we make our services accessible to everyone’ leaflet.

Emergency Assistance

The 24-hour Worldwide Emergency Service Our assistance services, which are based in the UK, provide a 24-hour emergency travel service, which includes medicalassistance, and personal travel referral service for NatWestAdvantage Gold account holders, their partners anddependent children travelling outside the UK.

What to do in the event of an emergencyContact our assistance services as quickly as possible in theevent of illness or accident (where costs are likely to begreater than £500) or any other emergency situation, such asthe loss of a passport, involving an Insured Person, whilstabroad by calling:Telephone 01252 740 443 (from abroad +44 1252 740 443)Fax 01252 740 111 (from abroad +44 1252 740 111).Please state that you are a NatWest Advantage Gold customerand provide details of the problem. An experienced co-ordinatorin the UK will deal with your enquiry and will then ensure thatwhere necessary:a) Hospitals are contacted and necessary fees guaranteed.b) Medical advisors are consulted at the outset for their views

on the possibility of arranging your return to the UK.c) Assistance upon arrival in the UK is provided where

medically necessary.Assistance co-ordinators are, in most cases, multilingual andable to converse with doctors and hospitals abroad. You mayalso call our assistance services for information relating toemergency health matters when travelling abroad.

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Medical AdviceOur assistance services will:

Provide names and addresses of suitable doctors,hospitals, clinics and dentists when consultations orminor treatment is required.Arrange for a doctor to call and, if necessary,hospitalisation.One of our assistance services medical officers willcontinue monitoring the patient’s condition.Help obtain special drugs if they are not obtainablelocally and dispatch them to the patient.

Money AdvanceIf you are unable to obtain sufficient funds locally, a cashadvance of up to £500 can be arranged, if needed for agenuine emergency. A guarantee of repayment to cover theamount will be required.

Message LineEmergency message relay to pass on up to two messages torelatives or close business associates if medical or travelproblems disrupt your travel schedule.

Document CareHelp with the replacement of lost or stolen tickets and traveldocuments and referral to suitable travel offices.

Operation of Cover

There is an upper age limit of 69 for all insured persons, youmust contact 0870 609 1213 in order to obtain cover bypaying an annual premium of £50 and to be medicallyscreened when you are 70 or more. We may ask you to payan additional premium to cover your pre-existing conditions.We reserve the right not to extend this policy.

All cover will stop upon closure of your NatWestAdvantage Gold Account.

Reciprocal Health Agreements European Union CountriesThe United Kingdom has reciprocal health agreements withother countries of the European Economic Area (EEA). Toobtain medical treatment in these countries, you must producea European Health Insurance Card (EHIC) formerly known asthe E111 form. In order to obtain the card visit the EHIC website. The EHIC replaced the E111 form with effect from 1 January 2006.

The EHIC is valid for five years from the date of issue. TheEHIC gives you access to treatment that becomes medicallynecessary during a temporary visit to EEA (EuropeanEconomic Area) countries or Switzerland. People who areordinarily resident in the UK can apply for an EHIC. Eachindividual travelling requires a card and is valid in state-runhospitals/clinics.

Channel Islands & Isle of ManThe Reciprocal Health Agreement (RHA) between the Channel Islands and the UK Government ended with effect from 1 April2009. The RHA between Isle of Man and the UK Governmentis due to end with effect from 1 October 2010. Channel Islandor Isle of Man residents visiting the UK mainland are coveredfor medical treatment in the event of an emergency only. GPtreatment and A&E cover will still be available to Channel orIsle of Man Island residents free of charge in the UK but there

will be costs for other elements of medical treatment.UK mainland residents visiting the Channel Islands or Isle ofMan are covered for medical treatment in the event of anemergency only.

Schedule of insured personsThis policy wording confirms who is eligible for cover under thepolicy issued to NatWest Advantage Gold by UK InsuranceLimited. This insurance allows all Advantage Gold Accountholders and their partners to travel independently of eachother throughout the year. All dependent children must betravelling with either the account holder or their partner inorder for this insurance to apply. If you have added a ‘guest’onto this insurance, they must be travelling with theAdvantage Gold Account holder or their partner, they cannottravel independently and be covered by this insurance.1. All Advantage Gold Account holders.2. The Advantage Gold Account holder’s partner.3. The Advantage Gold Account holder’s dependent children.Please refer to the definitions on the next page of this policy.

General ProvisionsThe policy is evidence of the contract between you and us.The policy and any endorsement are to be read as onedocument and any word or expression used with a specificmeaning in any of them has the same meaning wherever itappears. The conditions that appear in the policy or in anyendorsement are part of the contract and must be compliedwith. Failure to comply may mean that claims will not be paid.From time to time it may be necessary to alter your travelinsurance policy, other than when you have requested achange of cover. When this situation arises you will be advisedaccordingly. Any such alteration will only apply to journeysbooked by you from the time of receipt of that advice or someother future specified date. Please note that upon surrender,termination or cancellation of your NatWest Advantage GoldAccount, the benefits under this travel policy will no longer beavailable to you.

Sharing of Claims and Underwriting InformationUK Insurance Limited exchange information with other Insurersthrough various databases to help check the informationprovided and also to prevent fraudulent claims. In the event ofa claim, the information you have supplied on your applicationform, together with the information you supply on a claimform and other information relating to a claim, will be put onrecord and made available to other Insurers.

Law Applicable to the ContractUnder European law, you and we may choose which law willapply to this contract. English law will apply unless you andwe agree otherwise.

Extension of the Period of the Journey

If during the period of the journey you are delayed through nofault of your own, and your journey is not completed beforethe expiry of the period of the journey, then the insurance willbe extended without additional premium for as long as it isreasonably necessary for the completion of the journey.

Medical Statements

Call us on 0870 609 1213 to talk about your medicalcircumstances.

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At the time of opening the account or before you book a journeyAt the time of opening the account and before you book ajourney, you can call us at any time to tell us about a medicalcondition. We will tell you if we can cover that condition forfree, if you need to pay us extra premium or if we cannotcover the condition and we will write to you to confirm whatwe tell you over the phone.

You have to contact us before you book a journey, if you:1. Are receiving in-patient treatment or are waiting to

receive treatment;2. Have been prescribed medication in the last 12 months,

whether taking it or not;3. Have been diagnosed or treated with a heart or cancer

related condition in the past 12 months;4. Have been given a terminal prognosis;5. Are aware of a reason why you may not be able to go on

the journey or continue with it;6. Are diagnosed with any of the medical conditions below:

a circulatory condition (problems with blood flow,including high blood pressure) or a breathingcondition (including asthma);any joint and bone condition;any gastrointestinal (stomach) condition; ordiabetes.

When you do contact us we can talk to you about yourmedical condition(s) and work out whether or not we are ableto cover them for free, for an additional premium or if wecannot cover your medical conditions. Note that if you do notcontact us in this way, your cover may not be valid if youmake a claim.If we are unable to cover your condition, then we will not payclaims that are directly related to the excluded medical condition.

After you book a journey but before you leaveIf you are diagnosed with a new condition, this insurance willcover you to: a) Cancel the journey if due to your newly diagnosed

condition, you are unable to travel;b) Continue with the journey, as long as you are not

travelling against medical advice.

At any time you have this policyThis policy will not cover you to:a) Travel to obtain medical treatment;b) Travel against medical advice.

After you have called usWhere we either agree to cover or decline to cover medicalconditions, we will usually apply those terms for a 12 monthperiod and at the end of this period we will send you a letterasking you to call in again, so that we can assess the coverfor your medical condition(s) again.Our medical risk assessment system is updated frequently andwe reserve the right to amend our medical risk assessmentoutcomes, so you may find that one year we might be unable tocover your medical condition(s) but at a later date we might beable to or that the additional premium charged may change.

Definitions

Any word defined below will have the same meaning whereverit appears in the travel insurance policy and any endorsements(being statements issued by Us to record any agreedalterations to the contract as originally completed.)

NatWest Advantage Gold Account HolderThe holder of a NatWest Advantage Gold Account.

AbroadOutside the UK.

Anticipated EventAny event or occurrence which you or your immediate familyknew would occur or could have reasonably have expected tooccur during your journey and which you or your immediatefamily were aware of at the time of booking.

Bodily InjuryA bodily injury is an injury resulting solely and directly fromaccidental, outward, violent and visible means (includingdirect exposure to the elements).

Business EquipmentBusiness equipment is computer equipment, facsimilemachines, photocopiers, typewriters, word processingequipment, fixed telecommunications equipment, businessbooks, stationery and office equipment all owned by or thelegal responsibility of you.

Business SamplesBusiness samples means all business stock owned by or thelegal responsibility of you.

Close Business AssociateAny person whose absence from business for one or morecomplete days at the same time as your absence prevents theeffective continuation of that business.

Court Court, tribunal or other suitable authority.

Curtailment/CurtailCutting short your journey after its commencement to returnto your home address or business address.

Dependent ChildrenAll children (including legally adopted, foster and stepchildren) of the account holder who at the start date of thejourney are aged under 18 years (or up to 23 if in full timeeducation), living at the account holder’s home address andare unmarried or have not entered into a Civil Partnership.We will cover dependent children who do not residepermanently (or for the majority of the time) with the accountholder, providing the child(ren) resides permanently with theother parent for the remainder of the time.

Directly RelatedRefers to situations where the account holder or any insuredperson has previously suffered from the same medicalcondition or illness.We would not consider conditions such as high blood pressureor high cholesterol to be “directly related” to a claim for aheart attack.

ExcessAn excess is the amount we will deduct from a claim. Thisamount is payable per insured person claiming, per claimregistered. Where a single incident gives rise to a claim undertwo or more sections of cover, only one excess will be payableper insured person.

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Extra AccommodationExtra accommodation is defined as any hotel room, apartmentor villa. It doesn’t include items such as food, drink, telephonecalls (except to our Assistance Service), newspapers, and taxis.

Golf EquipmentA complete set of golf clubs normally carried in a golf bag,regardless of whether purchased as a set or individually.

GuestAny individual whilst travelling with an account holder duringthe period of the journey who lives in the UK and for whomthe appropriate additional premium has been paid.

Hazardous ActivityFlying, except while travelling in a fixed wing aircraft or helicopteras a passenger, not as a pilot or aircrew, nor for the purpose ofundertaking any trade or technical operation in or on the aircraft.Hang-gliding, ballooning, paragliding, parachuting, parascendingor other aerial activities. Motorcycling on machines exceeding125cc unless you hold a full motorcycle licence and have doneso for at least three years and are accident and conviction-free.In all cases, whether using a motorcycle as a rider or apassenger, a helmet must be worn. Mountaineering or cliff orrock climbing necessitating the use of ropes or guides or trekkingon mountains higher than 5,450 metres. Potholing. Canyoning.Engaging in or practising for speed or time trials, sprints or racingof any kind. Manual work of any kind. White water rafting,canoeing or sailing outside territorial waters, unless undertakenunder suitably qualified supervision as a pre-paid element of thejourney. SCUBA diving unless you are a qualified diver and youare accompanied at all times with another qualified diver or ifyou do not hold a SCUBA diving certificate, you are accompaniedat all times by a qualified diving instructor and in any instanceSCUBA diving beyond a depth of 30 metres is excluded.Professional sports. Bungee jumping. This list is not exhaustive.If you are participating in an activity that is not listed please callus on 0870 609 1213, to confirm if cover applies, in some cases,we may charge an additional premium. We reserve the right notto extend this policy to cover you.

Home AddressWhere you live in the UK.

Immediate FamilyYour partner, Fiancé, Fiancée, Parents, Parents-in-law,Step-parents, Son, Son-in-law, Daughter, Daughter-in-law,Brother, Brother-in-law, Sister, Sister-in-law, Step-children,Legal Guardian, Grandparents, Grandchildren.

Insured CoupleThe two individuals who are insured under this policy who aredue to get married during a journey. If, the betrothed partner isnot insured by this policy, we will extend cover under all sectionswhen the wedding has been booked to take place abroad.

JourneyA journey is a trip;– Abroad of no more than 31 days that starts and ends at

your home address. It can be for business or pleasure,but it must not involve manual work.

– in the UK, where you are staying in pre-bookedaccommodation for 2 or more nights, that doesn’tbelong to a member of your family or a friend, which isat least 25 miles from your home address.

Legal CostsLegal costs reasonably and proportionately incurred by yoursolicitor on the standard basis or in accordance with ThePredictable Costs Scheme if applicable.We will also pay costswhich you are ordered to pay by a court and any other costswe agree to in writing.

Loss of LimbA loss of limb is where it is permanently severed either at orabove the wrist or ankle or total loss of a complete foot, leg,hand or arm.

Loss of SightLoss of sight is if the degree of sight remaining in one eye,after correction is 3/60 or less on the Snellen Scale (thismeans seeing at three feet what you should see at 60 feet),or in both eyes if your name is added to the Register of BlindPersons on the authority of a fully qualified ophthalmic specialist.

Manual WorkAny work, which involves: Using, installing or maintainingequipment or machinery; Building or construction work; Caringfor children in any capacity.

Material FactAnything that might alter, change or influence the continuationof this insurance cover on the same terms, such as pre-existingmedical conditions, criminal convictions and possibleparticipation in hazardous activities, etc.

Medical Advisor(s)A senior medical officer appointed by the assistance service.

Medical PractitionerA person other than you, a member of your family or anyonetravelling with you, who is qualified and registered as such bya recognised competent authority.

Mugged/MuggingA violent attack on you with a view to theft by person(s) notpreviously known to you, which occurs abroad.

PartnerThe person that the account holder lives with at the accountholder’s home address in a relationship, whether married orcohabiting, as if husband and wife or civil partners, regardlessof gender.

Personal AccidentAccidental, bodily injury caused solely and directly by outwardviolent and visible means.

Personal MoneyYour personal money is defined as being cash, letters ofcredit, travel tickets and hotel vouchers, all held for yourprivate purpose and includes the wallet or purse in whichthese items are carried.

Personal PossessionsYour suitcases or similar items taken or bought on a journeyand their contents, which are designed to be worn or carried(including pushchairs and wheelchairs).

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Pre-existing Medical ConditionA pre-existing medical condition is when, at the time ofbooking the journey or opening the Bank account, you areunable to comply with the Medical Statements on page 7 ofthis policy.

Public TransportThe following scheduled services: train, coach, bus, taxi,aircraft or sea vessel.

Redundant/RedundancyAny person being made involuntarily unemployed, who is 65years or less and under the normal retirement age for someoneholding that person’s position, and who has been employedfor two continuous years with the same employer at the timeof being made unemployed.

Secure AreaThe locked boot of a motor vehicle. This includes the lockedluggage compartment of a hatchback or estate vehicle fittedwith a lid, fixed tray or roller blind that closes off the luggagearea behind the rear seats.

Single ArticleOne item, pair or set of articles (this doesn’t include golfequipment).

Ski EquipmentSkis (including bindings), clothing, snowboards, boots andpoles either owned or hired by you.

Ski PackPre-paid lift pass, ski school and equipment hire fees orcombination of these items.

SolicitorAny suitably qualified person appointed to represent you undersection M.

Terrorism/Terrorist ActA terrorist act is an act or threat of action by a person or groupof people, whether they are acting alone or with other people,organisations or governments, for political, ethnic, racial,religious, ideological or similar purposes to influence anygovernment or to frighten the public or any section of it.An ‘act’ or ‘action’ here means:– violence against a person;– damage to property;– putting a person’s life in danger;– creating a health risk to the public or a section of it; or– interfering with or seriously disrupting electronic systems

or transport services.

The AccountNatWest Advantage Gold Account.

The InsurerUK Insurance Limited (UKI). Registered Office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered No. 1179980.UKI is a Royal Bank of Scotland Group Company.

Total Permanent DisablementA disability preventing you from doing any work of any kindfor 52 weeks and at the end of this period there is noreasonable hope of improvement.

United Kingdom/UKEngland, Northern Ireland, Scotland, the Isle of Man, theChannel Islands and Wales.

ValuablesPhotographic, audio, computer, video and electricalequipment of any kind (including CDs, Mini Discs, DVDs, TVs,electronic games, MP3 players, iPods, personal digitalassistants (PDAs), video and audio tapes), telescopes,binoculars, sunglasses, glasses, spectacles, mobile phones,musical instruments, jewellery, watches, furs, leather goods,animal skins and items made of or containing gold, silver,precious metals or precious or semi-precious stones.

We/our/usUK Insurance Limited and all our agents.

Wedding AttireClothing bought especially for the occasion including hairstyling and flowers.

Winter Sports ActivitiesYou are covered to take part in the following Winter sportsactivities:On-piste – skiing, snowboarding, snow cat skiing, skibobbing, ice-skating, curling, tobogganing, snow-mobiling,ice hockey, mono skiing. Off-piste – skiing and snowboardingwith a qualified instructor only. Cross-country skiing on locallyrecognised tracks only.

Your/You/Insured Person/AdultThe account holder, their Partner, dependent children andguests (where the relevant premium has been paid).

Part A – Inclusive Cover

A – Baggage

What you are covered fora) BaggageWe will provide cover for up to a maximum of £1,500, perinsured person for personal possessions that are lost,damaged, stolen or destroyed whilst on your journey.

The single article limit is £300.

The valuables limit is £500.

b) Emergency replacement ItemsIf your personal possessions are temporarily lost on theoutbound journey from the UK and not restored to you:1. Within 4 hours, we will cover the cost of essential

replacement items up to the value of £100.2. After 12 hours, we will cover the cost of further essential

replacement items up to the further value of £150, giving£250 in total.

3. After 48 hours, we will cover the cost of further essentialreplacement items up to the further value of £400, givinga total of £650.

The most we will pay under part B of this section is £650,regardless of the number of people claiming.

Claims conditionsIn addition to anything mentioned in the general conditions, inorder for your claim to be considered you must:1. Keep your tickets and luggage tags.

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2. Report any loss to the carriers or the Police within 24hours of its discovery.

3. Take all steps to recover property, which is lost or stolen.4. Obtain a property irregularity report from the carriers

within three days of the incident or where you havereported the loss to the Police authorities in the countrywhere the loss occurred within 24 hours of discovery andobtain a copy of the report.

5. Follow the carrier’s conditions of carriage.6. Provide us with proof of ownership for the items you are

claiming for to substantiate your claim.7. Not abandon any property to us.If your personal possessions prove to be permanently lost, theoverall limit under part A will apply. You must provide us withas much information as possible to substantiate your claimand where necessary make every attempt to recover yourpersonal possessions.

What you are not covered for (exclusions)In addition to anything mentioned in the general exclusions,we will not pay for loss, damage, theft or destruction of:a) Valuables left in luggage whilst in transit and outside the

control of the insured person;b) Valuables left in a motor vehicle;c) Valuables and Personal possessions which are kept in your

locked personal accommodation or safety deposit box andforce and violence has not been used to gain entry to yourlocked personal accommodation or safety deposit box;

d) Personal possessions that are left in any motor vehicle(excluding caravans and motor homes) unless they arekept in the secure area of the motor vehicle and evidencethat force and violence has been used to gain entry.

e) Valuables and Personal possessions:1. Caused by wear and tear, loss of value, moth, vermin

and atmospheric or climatic conditions, graduallyoperating causes or by any cleaning, repairing orrestoring process.

2. Being shipped as freight or under a bill of lading.3. Which are made of china, glass or similar fragile

materials.4. By delay, detention, seizure or confiscation by

Customs or other officials.f) Films, tapes, cassettes, cartridges, or discs that you have

used or recorded on other than their value as unusedmaterial when we will pay the makers latest list price;

g) Perishable goods, bottles or cartons and their contents orany damage caused by these items;

h) Property more specifically insured by another policy;i) Contact or corneal lenses, dentures or hearing aids,

business samples or business equipment;j) Sports equipment and accessories whilst in use;k) Ski equipment and golf equipment;l) Personal money, bonds, negotiable instruments and

securities of any kind; m) Pedal cycles, motor vehicles, caravans, trailers, camping

equipment or parts or accessories of any of them, orhousehold goods, musical instruments, antiques,pictures, dinghies, boats and/or ancillary equipment.

n) Anything mentioned in the general exclusions.You must take care to look after your personal possessions, inparticular your valuables. They should be kept on your personor secured in baggage, which stays with you at all times. Ifthis is not possible these items should be locked in youraccommodation or safety deposit box. If you don’t takeprecautions with your property, we may not pay your claim.

Claims settlement1. When we settle a claim under this section of the policy,

we will at our option either:a) pay the cost of replacing the item;b) make a cash payment to you;c) pay the cost of repairing the item.

2. We will make a deduction for wear and tear for claims forclothing, including sports clothing.

3. We will deduct an excess of £50 under part A of this section.4. We will not pay the cost of replacing any other pieces

that form part of a set.

B – Personal Accident

What you are covered forWe will pay one of the items shown below, if during a journey,you sustain bodily injury which shall solely and independentlyof any other cause, result within 12 months in your:Item 1 – Death where you are aged:a) Under 18 years £2,000b) 18 years and over £25,000Item 2 – Loss of Limb £25,000Item 3 – Loss of Sight £25,000Item 4 – Total Permanent Disablement £25,000

What you are not covered for (exclusions)In addition to anything in the general exclusions, we will notpay any claim, which arises from or is in connection with:1. Any sickness or disease, naturally occurring or

degenerative condition.2. A claim under more than one item of this section.3. A pre-existing medical condition.4. Your participation in a hazardous activity.5. Any complication following a bodily injury which is

attributable to your death, loss of limb, loss of sight ortotal permanent disablement.

6. You claiming for Total Permanent disablement when you have retired.

7. An injury which existed prior to commencement of the journey.

You must let us know if you are taking part in any activity,which is either the main purpose of your journey, or you knowthere is a good chance you are going to be taking part.

Claims settlementWe will pay the amounts as detailed above to you or yourlegal representatives.If you die and do not leave a will, we will not issue asettlement cheque until the executors have been appointed.

C – Cancellation

Cancellation cover applies for a journey before you leave yourhome to start the journey.Please note!You must let us know of any medical condition as set outunder Medical Statements on page 7.

What you are covered forWe will reimburse up to £5,000 per insured person, for journeydeposits and costs, which you cannot recover from any othersource and this is due to:1. Death or serious injury or illness to you, a companion

upon whom your travel depends, a member of yourimmediate family, a close business associate all residentin the UK or a relative or friend in whose home you areintending to stay.

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2. You or a travelling companion being required:a) For jury service in the UK;b) As a witness in the UK;c) To stay at your home address following a serious

burglary or attempted burglary, fire, lightning, storm,explosion, impact of aircraft, earthquake, subsidence,falling trees, riot or civil commotion, malicious damage,burst pipes or flood at your home address or usual placeof business in the UK, which occurs during the journey.

3. You being made unemployed or redundant.4. Your pet dog or cat requiring life saving treatment within

seven days immediately prior to the journey starting.5. You being required for unexpected emergency duty or

posted overseas as a member of the armed forces, thepolice, ambulance/fire or nursing service during theintended journey.

6. The Foreign and Commonwealth Office advising against‘All Travel’ to your intended destination.

7. A medical practitioner advising against travel for any reason.8. Your passport or visa being stolen in a burglary within

7 days of your planned departure and you cannot obtaina replacement in time.

Claims conditionsIn addition to anything mentioned in the general conditions,we will only pay:1. For travel and accommodation expenses, which you have

pre-paid or contracted to pay, at the time you realise aclaim may be made.

2. Claims that are a result of an accident or illness, when amedical practitioner confirms in writing that cancellationis medically necessary.

3. Claims for injury or illness to your cat or dog when itrequires life saving treatment within seven days prior tothe start date of your journey.

4. At the time of booking the journey, you must not beaware of any reason why it may be cancelled.

A medical practitioner is a person other than you, a memberof your family or anyone travelling with you, who is qualifiedand registered as such by a recognised competent authority.

What you are not covered for (exclusions)In addition to anything mentioned in the general exclusions,we will not pay for claims, which are a result of:1. Government regulations, excluding where the UK FCO

advise against ‘All Travel’ to your intended final destination.2. Any criminal proceedings.3. Your financial circumstances.4. Strikes or industrial action existing or notified by declaration

of intent, at or prior to the date of booking your journey.5. Your unemployment due to lack of work if you are

self-employed, your promotion or any other occupationalposting other than staff transfer which is absolutelynecessary and which must be confirmed in writing byyour employer.

6. Your disinclination to travel or continue your journey.7. Failure of the tour operator or any provider of transport

or accommodation to fulfill the journey booking.8. Adverse weather conditions.9. A pre-existing medical condition unless declared and

accepted by us.10. The transport operator or their agents refusing to

transport you or an immediate relative of yours, or atravelling companion, because they consider that you orthey are not fit to travel.

11. Anyone upon whom the journey depends receiving aterminal prognosis prior to the journey being booked orthe insurance being taken out.

12. A delay of less than 6 hours when travelling for 4 nightsor less or 12 hours when travelling for 5 nights or more,leading to you abandoning the journey.

13. You failing to notify the travel agent or tour operator assoon as you become aware of a reason to cancel thejourney.

14. A medical condition of a member of your immediatefamily, a travelling companion or close business associate(whether they are travelling or not) who has been ahospital inpatient in the past 12 months or been put on a waiting list for hospital treatment.

15. Any treatment or help where, given your physical ormental condition, you should not have travelled or itwould have been reasonable for you to have consultedyour medical practitioner, prior to the journey, aboutwhether or not it was appropriate for you to travel.

16. An anticipated event.17. You not having the correct passport or visa, or failing to

get police confirmation that your passport or visa hadbeen stolen in a burglary.

For specific country advice, you can contact the Foreign andCommonwealth Office (FCO) on 0845 850 2829 or visitwww.fco.gov.uk

Claims settlement1. You must:

a) Provide us with all documentation reasonablynecessary in support of your claim.

2. We will deduct an excess of £50, with the exception of claims:a) For loss of holiday deposit, where the excess payable

will be £10 per insured person.b) For children travelling with an insured person, where

no excess will be payable.By saying reasonably necessary, we mean documents such as:

a) A medical certificate in the event of a medicalcondition preventing you from travelling.

b) A booking confirmation/invoice from the companyyou booked the journey.

c) Confirmation of other insurance, which may coverthe loss.

D – Curtailment of a Journey

Please note!You must let us know of any medical condition as set outunder Medical Statements on page 7.

What you are covered forPart One: Curtailment due to early return We will reimburse up to £5,000 per insured person, for unusedtravel and accommodation expenses, which you cannotrecover from any other source following curtailment of ajourney, due to:1. Death or serious injury or illness to you, a companion

upon whom your travel depends, a member of yourimmediate family, a close business associate (all residentin the UK) or a relative or friend in whose home you areintending to stay.

2. You or a travelling companion being required:a) For jury service in the UK;b) As a witness in a court of law in the UK;c) To return home following a serious burglary or

attempted burglary, fire, lightning, storm, explosion,

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impact of aircraft, earthquake, subsidence, fallingtrees, riot or civil commotion, malicious damage, burstpipes or flood at your home address or usual place ofbusiness in the UK, which occurs during the journey.

We will also provide cover for additional travel expensesneeded to return you to the UK, which have beenauthorised by the assistance service.

Part Two: Catastrophe coverIf, during your journey, you can no longer stay at yourpre-booked and prepaid accommodation because of:– fire; – storm;– lightning; – avalanche;– explosion; – hurricane;– earthquake; – flood; or– tidal wave; – medical epidemic;– pandemicwe will pay the necessary extra travel and accommodationexpenses to allow you to continue with your journey, or returnto the UK if you cannot continue with your journey, up to amaximum of £500 per person.

ExclusionsIn addition to the General Conditions, we will not pay for anyclaim directly or indirectly resulting from:a) You changing your mind to travel or continue with your

journey when the local or national authorities confirmthat it is safe to stay: or

b) Expenses you can recover from elsewhere.

ConditionsYou must send us:a) The original booking invoices and travel documents

showing the dates and times of travel; andb) Written confirmation of the disaster from the local or

national authority of the area where it happened.

Part Three: Home CareWe will pay for emergency and necessary repairs up to £250to secure your home, while you are on a journey, followingfire, flood or theft.You must supply written confirmation from the contractor thatthe work was urgently required, as well as a breakdown of thecosts incurred and any receipts for expenses you pay.

Part Four: Recuperative HolidayIf you make a claim under Section E – Emergency MedicalExpenses Abroad and we subsequently pay for you to curtailthat journey following your hospitalisation abroad of at least 5full days, we will pay for you to take a recuperative holidaywithin 3 months of the original incident, whether in the UK orabroad, subject to a maximum of £1,000 for accommodationand travel expenses only. Any associated costs such as travelinsurance, food or clothing are not covered by this section. You should contact the assistance service as soon as youbecome aware of any reason why the journey may need tobe cut short, if you don’t, we may be unable to pay yourclaim. Please refer to the Medical and Emergency ExpensesSection E for advice on relatives staying with you or travellingto you if medically necessary.

Claims conditionsIn addition to anything mentioned in the general conditions,we will only pay:1. For travel and accommodation expenses, which you have

pre-paid or contracted to pay, at the time you realise a claim may be made.

2. Claims that are a result of an accident or illness, when a medical practitioner confirms in writing that curtailmentis medically necessary.

3. Refunds for curtailment, which have been calculated,based on the number of complete days lost by youreturning early to the UK.

A medical practitioner is a person other than you, a memberof your family or anyone travelling with you, who is qualifiedand registered as such by a recognised competent authority.

What you are not covered for (exclusions)In addition to anything mentioned in the general exclusions,we will not pay for claims, which are a result of:1. Government regulations, excluding where the UK FCO

advise against ‘All Travel’ to your intended final destination.2. Any criminal proceedings. 3. Your financial circumstances.4. Strikes or industrial action existing or notified by declaration

of intent, at or prior to the date of booking your journey.5. Your disinclination to travel or continue your journey.6. Failure of the tour operator or any provider of transport

or accommodation to fulfill the journey booking.7. Adverse weather conditions (unless stated as covered

under Part Three and Part Four of this section).8. A pre-existing medical condition unless declared and

accepted by us.9. Anyone upon whom the journey depends receiving a

terminal prognosis prior to the journey being booked orthe insurance being taken out.

10. A medical condition of a member of your immediatefamily, travelling companion or close business associate(whether they are travelling or not) who has been ahospital inpatient in the past 12 months or been put on awaiting list for hospital treatment.

For specific country advice, you can contact the Foreign andCommonwealth Office (FCO) on 0845 850 2829 or visitwww.fco.gov.uk



2. We will deduct an excess of £50, with the exception of claims:a) For children travelling with an insured person, where

no excess will be payable.By saying reasonably necessary, we mean documents such as:

a) A medical certificate in the event of a medical conditionnecessitating your early return or stay in hospital.

E – Medical and Emergency Expenses

Please Note!You must let us know of any medical condition as set outunder Medical Statements on page 7.

What you are covered forPart One: Emergency Medical Expenses AbroadWe will pay up to £10,000,000 per insured person towardsemergency medical, surgical or hospital treatment (including

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emergency dental treatment only for the relief of immediatepain), which is required whilst you are on a journey.

We will also provide cover for:1. Additional travel expenses needed to return you to the

UK on the advice of our medical advisor.2. Extra accommodation if the length of your journey is

extended due to your stay in hospital.3. Up to £2,500 towards the cost of your funeral or

cremation in the country in which death occurs.4. The cost of a friend or relative, resident in the UK to be

brought to, remain with or escort you back to the UK onadvice of our medical advisor, provided all costs areagreed with our assistance service.

5. The cost of returning your remains to the UK.

Part Two: Emergency Medication for Pre-existing MedicalConditionsIf we have confirmed, in writing, cover for a pre-existingmedical condition, we will pay up to £250 towards anyexpenses incurred in obtaining any associated medication,which you take on a journey that is lost or stolen (we will notpay claims where you forgot to take the medication with you).

Part Three: PhysiotherapyWe will pay up to £350 if, following a bodily injury you make avalid claim under Part One of this section and you requirefurther physiotherapy treatment on your return to the UK.This is not a private medical insurance. If you require emergencytreatment, you must inform the assistance service immediatelyotherwise we may be unable to pay your medical expenses.If you need more than simple outpatient treatment of the sortyou can pay for locally, you should call the assistance servicefor help and advice.

Claims conditionsIn addition to anything mentioned in the general conditions,payment of claims is conditional upon you:1. Accepting our decisions concerning the most suitable,

practical and reasonable solution to any medicalemergency, including returning to the UK if our medicaladvisor confirms you are fit to return to the UK.

2. Contacting the assistance service as soon as possibleafter an incident arises (where costs are likely to begreater than £500) to obtain authorisation for treatmentor return to the UK.

3. Not travelling contrary to medical advice or to obtaintreatment.

4. Not having received a terminal prognosis prior to thejourney being booked or taking out the insurance.

5. Not awaiting medical treatment or investigations or testsprior to booking the journey or before becoming anaccount holder.

6. Advising us of any change in your health or circumstancesbefore making any new travel arrangements, allowing usto confirm in writing that cover is still applicable.

What you are not covered for (exclusions)In addition to anything mentioned in the general exclusions,we will not pay:1. Any expenses incurred 12 months after the original injury.2. Any payment in respect of medical treatment obtained

in the UK.3. Any costs for treatment (including preventative treatment)

in relation to an illness or injury, which is not essential in

the opinion of our medical advisors and could have waiteduntil your return to the UK.

4. Claims for treatment or returning you to the UK that arenot confirmed as being necessary by our medical advisor.

5. Claims, which arise from a pre-existing medicalcondition, unless declared and accepted by us.

6. Any treatment or aid obtained after you, in the opinion ofour medical advisors, first became able to return to the UK.

7. For any claims due to your participation in hazardousactivities unless optional extension purchased.

8. Any claim for non-emergency treatment, tests or surgery(including cosmetic surgery and any complications ofcosmetic surgery that you have travelled for), which isnot directly related to the illness or injury, which causedyour admittance into hospital.

9. For single or private room accommodation, unless it hasbeen deemed medically necessary by our medical advisor.

10. Treatment or services obtained at a health spa,convalescent or nursing home or any rehabilitation centre.

11. Any claims which arise from you failing to take medication,which you knew was required or to be continued on yourjourney. (Except for claims under Part Two of this section.)

12. For treatment for dental work involving the use ofprecious metals.

13. For treatment for dental work which is not to relieveimmediate pain only.

14. Claims made under Part Three of this section, where theneed for physiotherapy or home help is not advised bythe treating doctor abroad or our medical advisor prior toyour immediate return home.

15. An anticipated event.16. Any treatment or help where, given your physical or mental

condition, you should not have travelled or it would havebeen reasonable for you to have consulted your medicalpractitioner, prior to you booking or taking the journey,about whether or not it was appropriate for you to travel.

17. For the cost of any phone calls, other than necessarycalls to our Assistance Service.

Please be aware of seemingly large charges for medication ortreatment – where possible, contact the assistance servicebefore paying for any treatment.

Claims settlement1. You must provide us with all documentation reasonably

necessary in support of your claim.2. We will deduct an excess of £50 from outpatient claims,

with the exception of claims where using an EHIC orMedicare has reduced the claim. You must have yourEHIC with you on your journey to benefit.

3. Where possible we will deal with the hospital direct.By saying reasonably necessary, we mean documents such as:a) A medical certificate in the event of a medical condition

necessitating your stay in hospital.b) Receipts for treatment or medication you pay for.

F – Personal Liability

What you are covered forWe will pay all sums up to £2,000,000 per policy, which youbecome legally liable to pay for death or bodily injury to anyperson or loss of or damage to their property, which occursduring the period of the journey. We will also pay any costsand expenses awarded against you or incurred by you withour written consent.A bodily injury is an injury resulting solely and directly fromaccidental, outward, violent and visible means (includingdirect exposure to the elements).

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Claims conditionsIn addition to anything in the general conditions:1. You must forward any correspondence onto us, which

you receive from the third party in connection with anyincident, which could cause a claim under this insurance.

What you are not covered for (exclusions)In addition to anything in the general exclusions, we will notpay any claim, which arises from:1. Death or bodily injury to your:

a) Employees;b) Family;c) Travelling companion/s.

2. Loss of or damage:a) To property, which is in the custody or under the

control of you, your employees, your family or yourtravelling companion/s;

b) Ownership or occupation of any land or building(other than occupation only of any temporary holidayaccommodation).

3. Trade, employment, business or profession of any of you.4. Ownership, possession or use of any animal, firearms,

mechanically propelled vehicles, vessels (other thanmanually propelled water craft) or aircraft of anydescription.

5. Any deliberate act or omission by any of you.6. You acting as a leader of a group participating in any

activity whether hazardous or not.7. Any agreement unless that liability would have existed

otherwise.8. Fines imposed by a Court of Law or other relevant bodies.9. Racing mechanically propelled vehicles of any kind.10. Liability covered under any other insurance policy.When hiring motorised vehicles like cars, mopeds or jet skison a journey, you must ensure that you have adequate thirdparty liability insurance as this travel policy will not coverdamage that you do to anyone else or his or her propertywhen you are in charge of the vehicle.

Claims settlement1. You must provide us with all documentation reasonably

necessary in support of your claim.By saying reasonably necessary, we mean documents such as:a) All correspondence received by you from the person

making a claim against you under this section.

G – Personal Money

What you are covered forWe will provide cover for up to a maximum of £500, perinsured person for personal money that is lost or stolen whilston your journey. We will also provide cover during the 72 hoursimmediately before you are due to leave on your journey. Thecash, currency, notes and coins limit is £500 per insuredperson. NOTE – If you are aged 16 or under, claims underpersonal money are limited to £100 overall.Your personal money is defined as being cash, letters ofcredit, travel tickets and hotel vouchers, all held for yourprivate purpose and includes the wallet or purse in whichthese items are carried.

Claims conditionsIn addition to anything mentioned in the general conditions, inorder for your claim to be considered you must:1. Report any loss to the Police within 24 hours of its

discovery and obtain a police report from them.2. Take all steps to recover property, which is lost or stolen.

3. At all times, supervise or take reasonable care of yourmoney to ensure its safety.

4. Provide us with proof of ownership for the amount ofmoney you are claiming for to substantiate your claim.

You must provide us with as much information as possible tosubstantiate your claim, i.e. mini bank statements to showyou had the money and where necessary make every attemptto recover your personal money.

What you are not covered for (exclusions)In addition to anything mentioned in the general exclusions,we will not pay for loss, damage, theft or destruction ofpersonal money:a) Left in luggage whilst in transit and outside the control of

the insured person;b) Outside your control, other than when it is kept in your

locked personal accommodation or safety deposit box aslong as force and violence has been used to gain entry toyour locked personal accommodation or safety deposit box;

c) Left in any motor vehicle;d) If you cannot provide proof that you had the money in

your possession at the time of the loss;e) Due to error, omission or depreciation in value;f) More specifically insured by another policy.You must take care to look after your personal money. Itshould be kept on your person or secured in baggage, whichstays with you at all times. If this is not possible it should belocked in your personal accommodation or safety depositbox. If you don’t take precautions with your personal money,we may not pay your claim.

Claims settlement1. We will deduct an excess of £50.An excess is the amount we will deduct from a claim. Thisamount is payable per insured person claiming, per claimregistered. Where a single incident gives rise to a claim undertwo or more sections of cover, only one excess will bepayable per insured person.

H – Travel Delay and Travel Abandonment

What you are covered forA – DelayWe will pay you up to £250 for the first four hours delay of thepre-booked flight, sailing, train or coach for additional expensessuch as accommodation, travel, meals and refreshments whicharise because the transport you have checked-in for is delayed– it doesn’t cover the cost of telephone calls.

B – AbandonmentWe will pay you up to £5,000, if after the first:– 6 hours delay on journeys of 4 nights or less, or – 12 hours delay to your outbound flight from the UK on

journeys of 5 nights or more, you decide to abandon thejourney and return to your home address.

If you would like to claim under ‘abandonment’ please refer tothe cancellation section.

Claims conditionsIn addition to anything mentioned in the general conditions, inorder for your claim to be considered you must:1. Provide confirmation of the scheduled departure time as

detailed on your travel itinerary and the actual departuretime from the airline.

2. The delay must have been announced after you checked in.3. Provide receipts confirming any additional costs you pay.

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What you are not covered for (exclusions)In addition to anything mentioned in the general exclusions,we will not pay for claims, which are a result of:1. You missing the check-in time as shown in your travel

itinerary for any reason.2. A strike or any form of industrial action which had been

announced or commenced before you purchased thetravel tickets, obtained confirmation of booking or beforeyou departed from your home.

If you miss your departure, please see section I – MissedConnections and section J Failure of public transport.



2. No payment shall be made under more than one item ofthis section.

3. We will deduct an excess of £50 for claims under part b).By saying reasonably necessary, we mean documentssuch as:a) A booking confirmation/invoice from the company

you booked the journey.b) Confirmation of carrier of the delay.

I – Missed Connections

What you are covered forIf your first flight is delayed after you have checked in,meaning that you miss your connecting flight and analternative flight is not offered within four hours, we will payup to £250 per insured person for additional accommodation,travel expenses, meals and refreshments.

Claims conditionsIn addition to anything mentioned in the general conditions, inorder for your claim to be considered you must:1. Provide confirmation of your scheduled departure times

as detailed on your travel itinerary and your actualdeparture times from the airline.


itinerary for any reason, other than the previous flightonly being delayed.

2. A strike or any form of industrial action which had beenannounced or commenced before you purchased thetravel tickets, obtained confirmation of booking or beforeyou departed from your home address.



By saying reasonably necessary, we mean documents such as:a) A booking confirmation/invoice from the company

you booked the journey.b) Confirmation of carrier of the delay.

J – Failure of Public Transport

What you are covered forWe will pay up to £1,000 per insured person for additionalaccommodation, travel expenses, meals and refreshments, ifyou fail to arrive at your departure point in time to board yourbooked transport and this is because of:

1. An accident or breakdown involving your own vehicle;2. The scheduled public transport taking you to your

departure point not running to timetable.The definition of public transport is the following scheduledservice: train, coach, bus, aircraft or sea vessel.

Claims conditionsIn addition to anything mentioned in the general conditions, in order for your claim to be considered you must:1. Provide confirmation of your scheduled departure time

as detailed on your travel itinerary and your actualdeparture time from the airline/carrier.


itinerary for any reason not detailed in the ‘What you are covered for’ section.

2. A strike or any form of industrial action which had beenannounced or commenced before you purchased thetravel tickets, obtained confirmation of booking or beforeyou departed from your home address.

3. Missed departure claims due to road traffic congestion or road closures where you have not left reasonable timeto reach your departure point on time or are nottravelling by scheduled public transport.

4. If you did not use public transport and you missed yourdeparture because of heavy traffic or road closures thatwere not sufficiently severe to warrant reporting on arecognised motoring association website or on television,news bulletins or in the press.



By saying reasonably necessary, we mean documents such as:a) A booking confirmation/invoice from the company

you booked the journey.b) Confirmation of your late arrival from the carrier.

K Loss of Passport/Driving Licence

What you are covered forWe will pay up to £750 per insured person if your passport ordriving licence is destroyed, lost or stolen abroad foradditional accommodation and travel expenses whilst youobtain necessary documentation to re-enter the UK.

Claims conditionsIn addition to anything mentioned in the general conditions, inorder for your claim to be considered you must:1. Report the incident to the Police in the country where the

loss occurred within 24 hours and obtain a copy of thePolice report.

What you are not covered for (exclusions)In addition to anything mentioned in the general exclusions,we will not pay for claims, which are a result of:1. Any destruction, loss or theft, which occurred prior to the

start date of your journey abroad.2. Any costs incurred in replacing the passport or driving

licence.

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By saying reasonably necessary, we mean documents such as:a) A copy of the police report.b) Receipts for any additional accommodation and

travel expenses.

L – Hospital Benefit

What you are covered forIf we provide cover under section E – Medical and EmergencyExpenses, we will also pay you £50 for every complete 24 hoursthat you spend in hospital, the maximum amount we will payper insured person is £400.The purpose of this section is to provide extra cash to covertelephone calls and any other incidental expenses that youcannot claim for from any other source.

What you are not covered for (exclusions)In addition to anything mentioned in the general exclusions,we will not pay any claim:1. Under this section, when we have not provided cover

under section E – Medical and Emergency Expenses.2. Which occurs due to your participation in hazardous

activities.

M – Legal Costs

Before you incur any legal costs, you must report yourclaim to the Legal Helpline.The 24 hour phone number for practical UK legal advice inconnection with your journey and for reporting a legal costsclaim is 0845 246 2071 (+44 845 246 2071 from abroad).

We will pay:1. Legal costs to help you claim damages or compensation:

For injury, illness or death, which happens during your journey.Following a dispute about an agreement you have for your journey.

The most we will pay for all costs will be £50,000 for anyclaim or claims arising from any one incident.2. Up to £250 for the first consultation that you arrange

with a local solicitor if you are arrested or held byauthorities during your journey.

Subject to the exceptions and conditions of this section of thepolicy we agree to provide this cover if:

any legal proceedings will be carried out by a courtwhich we agree to; and we and your solicitor agree that it is more likely thannot that you will be successful with your claim fordamages.

What you are not covered for (exclusions)(see also General exclusions)You are not covered for any claim arising from or relating to:1. Defending your legal rights in claims against you.2. Illness or injury which develops gradually or is not caused by

a specific or sudden accident.3. Psychological injury or mental illness unless it results from

a specific or sudden accident that has caused physicalbodily injury to you.

4. Action against another person who is insured by this policy.5. Legal costs that relate to a period before we have

accepted your claim in writing.

6. Legal costs if you stop or settle a claim, or withdrawinstructions from the solicitor, without good reason. Ifthis applies, you will then have to refund any costs paidby us during your claim.

7. Fines, penalties, compensation or damages which youare ordered to pay by a court.

8. Loss or damage that is insured under another section ofthis policy or any other insurance policy.

ConditionsIf you do not keep to these conditions, we may: a) refuse or withdraw from any claim;b) claim back from you costs paid by us; orc) do all of the above.

You must do the following: Send us full details of your claim in writing as soon aspossible and in any event no later than 180 days afterthe date you knew about or should have known aboutthe incident giving rise to the claim.Send us any other information that we ask for. (You mustpay any costs involved in providing this information.) If we ask, you must tell the solicitor to give us anydocuments, information or advice that they have or know about.Fully co-operate with the solicitor and us, and not takeany action that has not been agreed by your solicitor or by us. Keep us up-to-date with the progress of your claim. Tell us if the solicitor refuses to continue to act for you orif you withdraw your instructions.Tell us if anyone makes a payment into court or offers tosettle your claim.Tell your solicitor to claim back all costs that you areentitled to and pay to us all costs that we have paid.Get our agreement to stop, settle, negotiate or withdrawfrom a claim.

Appointing a solicitor:If we accept your claim we, or a solicitor we choose, willtry to settle the matter without having to go to court.If it is necessary to take your claim to court, or if there isa conflict of interests, you can choose the solicitor to actfor you. Any solicitor you choose will be appointed to actfor you in line with our standard terms of appointment. You are responsible for all legal costs they charge butyour policy will cover them as long as you keep to thepolicy conditions.You must not enter into any agreement relating to chargeswith the solicitor without getting our permission first.If a solicitor refuses to continue acting for you with goodreason, or if you dismiss them without good reason, yourcover will end immediately unless we agree to appointanother solicitor.

You must tell your solicitor to do the following: Get our written permission before instructing a barristeror an expert witness.Tell us immediately if it is no longer more likely than notthat you will be successful with your claim.

We can do the following: Contact the solicitor at any time, and he or she mustco-operate fully with us at all times.

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Decide to settle your claim by paying you the compensationyou are likely to be awarded by a court instead of startingor continuing your claim or legal proceedings.Refuse to pay further legal costs if you do not accept anoffer or payment into court to settle a claim which we oryour solicitor considers should be accepted.Refuse to pay further legal costs if it is no longer morelikely than not that you will be successful with your claim.

DisputesYou may refer any disagreement between you and us to theFinancial Ombudsman Service, which is a service offered toyou free of charge. (See page 6 for details of our complaintsprocedure.)You also have the right to refer any disagreement between youand us to arbitration (where an independent person, known asan arbitrator, makes a decision to settle the dispute). Thearbitrator will be a solicitor, barrister or other suitably qualifiedperson that you and we agree on. If we cannot agree, thearbitrator will be chosen by the president of the Law Society (orother similar organisation) for that part of the territorial limitswhose law governs this section of the policy. We and you mustkeep to the arbitrator’s decision. Whoever loses the arbitrationwill pay for all the costs and expenses of the arbitration.General Conditions 1, 3, 4, 6 and 10 on pages 20 and 21 do not apply to section M.

N – Additional Assistance Services

What you are covered for1. Pre-travel advice – WorldwidePrior to departure, you may call us for travel informationrelating to:– Customs regulations– Currency limits and rules– Banking procedures and opening hours– Health, inoculation requirements, epidemics, AIDS risks

and availability of specified medicines– Visa requirements and procedures.2. Luggage care – Outside the UK. To help search, find and

deliver lost luggage when the usual channels have failed.The baggage tag and the property irregularity reportmust be available in order for us to help.

3. Property emergency service – Outside the UK. Access isprovided to the domestic line, which is a 24-hour-a-dayemergency service where we will arrange for a tradesmanto effect repairs to an insured persons home address,should damage occur, rendering it unsafe, insecure orresulting in unreasonable discomfort to the occupants.The insured person will be responsible for all chargesassociated with affecting the repair.

4. Port/airport assistance – World-wide. If an insuredperson is delayed en route to the departure port orairport and there is a possibility of missing the flight orcrossing, we will liaise with the carrier to advise of yourlate arrival and if necessary with your permission, makealternative flight or crossing arrangements. The insuredperson will be responsible for all charges associated withthe alternative flight or crossing arrangements.

O – Mugging

What you are covered forIf an insured person is mugged while on a journey and suffersactual bodily harm as a direct result, we will pay £50 for eachcontinuous 24 hours spent as an in-patient, up to a maximumof £500 per insured person.

Mugged/Mugging means a violent attack on you with a viewto theft by person(s) not previously known to you, whichoccurs abroad. This section is in addition to any insuredexpenses under section E (Medical and Emergency Expenses)and also payments under section L (Hospital Benefit).

What you are not covered for (exclusions)In addition to anything mentioned in the general exclusions,we will not pay for claims, which are a result of:1. Any incident where you do not obtain a Police report of

the mugging and confirmation of your injuries and periodof in-patient treatment.

P – Extended Kennel, Cattery or Parking Costs

What you are covered forIf your dog or cat is in a licensed kennel or cattery or your caris in a car park in the UK during your journey and your return isdelayed due to your sickness, injury or hospitalisation, we willpay you up to £500 towards the additional charges you incur.

What you are not covered for (exclusions)In addition to anything mentioned in the general exclusions,we will not pay for claims where:1. You do not obtain confirmation from our medical advisor

that the delay was medically necessary.

Q – Dental Expenses

What you are covered forWe will pay up to £100 for each insured person towardsdental treatment in the UK, following an incident abroadwhich gives rise to a claim under section E (Medical andEmergency Expenses) of this policy.

Claims conditionsIn addition to anything mentioned in the general conditions,payment of claims is conditional upon you:1. Providing confirmation from your medical practitioner

that they recommend treatment.

What you are not covered for (exclusions)In addition to anything mentioned in the general exclusions,we will not pay:1. Unless the total claim amount exceeds £50.2. Any claims, which are not, supported by a certificate

from a medical practitioner in the UK.

R – Winter Sports – Journeys up to 31 days

What you are covered for1. Ski packWhere you are unable to use your ski-pack on advice from ourmedical advisor, we will provide up to £150 per week for yourunused ski pack, which you originally pre-booked in the UK.2. Ski equipmentIf, during the journey your ski equipment is damaged, lost orstolen, we will pay up to £400 per insured person forreplacements.3. Hired skisIf your own ski equipment is damaged, lost or stolen, we willprovide up to £200 per insured person to hire replacementequipment for the remainder of your journey.4. Piste closureIf the skiing facilities in your pre-booked resort are closed intheir entirety due to lack of or too much snow, we will pay upto £10 per day for you to travel to an alternative site. If thereare no alternative sites available, we will compensate you £30for each full day you are unable to ski.

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5. Avalanche closureWe will pay up to £200, if, following an avalanche, land-slideor land-slip your arrival or departure from the ski resort isdelayed and you have extra accommodation expenses as adirect result.6. Physiotherapy following a skiing accidentIf we pay a claim under section E of this policy, and this claimis as a direct result of a ski accident, we will pay up to £350towards physiotherapy which is recommended by a medicalpractitioner on your immediate return to the UK.7. Delayed Ski EquipmentUp to £100 towards the cost of hiring replacement skiequipment necessities, if your own ski equipment is delayed inreaching you on your outward journey for at least 12 hoursand you have a written report from the carrier (i.e. airline,shipping company etc.) or tour representative. Receipts will benecessary in the event of a claim.

Claims conditionsIn addition to anything mentioned in the general conditions, inorder for your claim to be considered you must:1. Return damaged ski equipment to your home address for

inspection.2. Obtain a property irregularity report from the carriers

within 3 days of the incident if it occurred in transit.3. Report the loss or theft to the Police authorities in the

country where the incident occurred within 24 hours ofdiscovery and obtain a copy of the police report.

4. Take all reasonable steps to recover ski equipment that islost or stolen.

5. Keep all baggage tags and travel tickets for submissionto us when making a claim.

Any amount we pay you under section 7) Delayed skiequipment will be refunded to us if your own ski equipmentproves to be permanently lost, as you will be able to claim foryour lost ski equipment under section 2) Ski equipment.

What you are not covered for (exclusions)In addition to anything mentioned in the general exclusions,we will not pay for claims:1. Which have not been confirmed as being medically

necessary by our medical advisor.2. For ski equipment, which is more than 5 years old.3. For hired equipment not verified as lost or damaged by

an official receipt from the ski equipment hire shop.4. Following your deliberate, wilful or malicious damage or

carelessness or neglect.5. Which occur whilst ski equipment is left in a motor vehicle.6. Caused by wear and tear, loss of value, moth, vermin,


7. For damaged ski equipment, which has not been returnedto your home for inspection by us.

Under parts 4 and 5 of this section when:1. Your journey in Europe is between 1 June and 1 December

each year.2. Confirmation of the closure is not obtained from a local

representative.3. Not all skiing facilities are closed.4. Where the skiing conditions are known or are public

knowledge at the time of incepting this insurance.

Claims settlementWe will pay one or a combination of the benefits for as longas such conditions prevail at your resort but in any case notexceeding the period of the journey. We will deduct an excessof £50 from claims under part 2 Ski equipment.

Part B – Business Cover – Optional Benefit

What you are covered for1. BaggageWe will provide up to £3,000 to cover business equipment andbusiness samples, which are lost, damaged or stolen during ajourney abroad. The single article limit is £1,000.2. Emergency replacement itemsIf your bags are lost for more than 4 hours in transit on youroutbound journey from the UK, we will pay up to £500 for youto buy essential replacement items.3. Hiring replacementsWe will pay up to £500 towards hiring replacement businessequipment for the duration of the journey abroad if yours islost, damaged or stolen whilst on a journey and is notreturned to you.4. Business colleagueIf you are hospitalised for more than 3 days or repatriated due toinjury or illness or death, we will pay up to £1,500 towards thecost of a return travel ticket for one colleague to replace you.5. Accommodation and travel expensesWe will pay up to £1,500 towards the cost of extraaccommodation if, due to your bodily injury, illness or adverseweather conditions the journey has to be extended beyond thefinal scheduled day.Business equipment is computer equipment, facsimilemachines, photocopiers, typewriters, word processingequipment, fixed telecommunications equipment, businessbooks, stationery and office equipment all owned by or thelegal responsibility of you.Business samples means all business stock owned by or thelegal responsibility of you.A single article is defined as one item, pair or set of articles(this doesn’t include golf equipment).Extra accommodation is defined as any hotel room,apartment or villa. It doesn’t include items such as food,drink, telephone calls (except to the Assistance Service),newspapers, and taxis.

Claims conditionsIn addition to anything mentioned in the general conditions, inorder for your claim to be considered you must:1. Keep your tickets and luggage tags.2. Report any loss to the carriers or the Police within 24 hours

of its discovery.3. Take all steps to recover property, which is lost or stolen.4. Obtain a property irregularity report from the carriers

within 3 days of the incident or where you have reportedthe loss to the Police authorities in the country where theloss occurred within 24 hours of discovery and obtain acopy of the report.

5. Follow the carrier’s conditions of carriage.6. Not abandon any property to us.7. Provide us with proof of ownership for the items you are

claiming for to substantiate your claim.You must provide us with as much information as possible to substantiate your claim and where necessary make everyattempt to recover your business equipment or businesssamples.

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What you are not covered for (exclusions)In addition to anything mentioned in the general exclusions,we will not pay for loss, damage, theft or destruction of:a) Business equipment and business samples:1. Which are kept in your locked personal accommodation

or safety deposit box and force and violence has notbeen used to gain entry to your locked personalaccommodation or safety deposit box.

2. That are left in any motor vehicle.3. Caused by wear and tear, loss of value, moth, vermin,


4. Being shipped as freight or under a bill of lading.5. Which are made of china, glass or similar fragile materials.6. By delay, detention, seizure or confiscation by Customs

or other officials.7. Which are films, tapes, cassettes, cartridges, or discs

that you have used or recorded on other than their valueas unused material when we will pay the makers latestlist price.

8. Which are perishable goods, bottles or cartons and theircontents or any damage caused by these items.

You must take care to look after your business equipment andbusiness samples. If you don’t take precautions with yourproperty, we may not pay your claim.



2. We will make a deduction for wear, tear and depreciation.3. We will deduct an excess of £50 for claims under part 1

of this section.An excess is the amount we will deduct from a claim. Thisamount is payable per insured person claiming, per claimregistered. Where a single incident gives rise to a claim under2 or more sections of cover, only one excess will be payableper insured person.

Part C – Golf Cover – Optional Benefit

What you are covered for1. BaggageWe will pay up to £1,500, in the event that your golf equipmentis damaged, lost or stolen whilst on a journey abroad.2. Hiring replacementsIf you are unable to take part in any of your pre-bookedrounds of golf because your golf equipment is lost in transitabroad and not restored to you within 4 hours, we will pay upto £250 to hire replacements.3. Cancellation and curtailmentWe will pay up to the limit shown in either section C and D, ifyou have to cancel or curtail a journey abroad because youhave sustained a bodily injury or illness, which prevents youfrom playing golf.4. Green feesWe will pay you up to £250 towards the loss ofnon-refundable pre-paid green fees that you are unable to useabroad following your bodily injury.5. Travel delayIf the ship, train or aircraft on which you are pre-booked is

delayed, meaning you are delayed, we will pay you up to£250 towards the non-refundable pre-paid green fees you didnot use as a direct result of the delay.By defining golf equipment we mean a complete set of clubsnormally carried in a golf bag, regardless of whetherpurchased as a set or individually.

Claims conditionsIn addition to anything mentioned in the general conditions, inorder for your claim to be considered you must:1. Keep your tickets and luggage tags.2. Report any loss to the carriers or the Police within 24

hours of its discovery.3. Take all steps to recover property, which is lost or stolen.4. Obtain a property irregularity report from the carriers

within 3 days of the incident or where you have reportedthe loss to the Police authorities in the country where theloss occurred within 24 hours of discovery and obtain acopy of the report.


claiming for to substantiate your claim.8. Provide confirmation from a medical practitioner that you

are unable to participate due to bodily injury or illness.You must provide us with as much information as possible tosubstantiate your claim and where necessary make everyattempt to recover your golf equipment if it is stolen.

What you are not covered for (exclusions)In addition to anything mentioned in the general exclusions,we will not pay for loss, damage, theft or destruction of golfequipment:1. Which is kept in your locked personal accommodation

and force and violence has not been used to gain entryto your locked personal accommodation.

2. That is left in any motor vehicle, unless they are kept in the secure area of the motor vehicle and force andviolence is used to gain entry to the vehicle.

3. Caused by wear and tear, loss of value, moth, vermin, andatmospheric or climatic conditions, gradually operatingcauses or by any cleaning, repairing or restoring process.

4. Being shipped as freight or under a bill of lading.5. By delay, detention, seizure or confiscation by Customs

or other officials.6. More specifically insured by another policy.You must take care to look after your golf equipment. If youdon’t take precautions with your property, we may not payyour claim.A secure area is defined as being the locked boot of a motorvehicle. This includes the locked luggage compartment of ahatchback or estate vehicle fitted with a lid, fixed tray orroller blind, which closes, off the luggage area behind therear seats.

Claims settlement1. We will make a deduction for wear and tear.2. We will deduct an excess of £50 under parts 1 and 3 of

this section.3. You must provide confirmation from the carrier of the

number of hours delay.An excess is the amount we will deduct from a claim. Thisamount is payable per insured person claiming, per claimregistered. Where a single incident gives rise to a claim under2 or more sections of cover, only one excess will be payableper insured person.

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Part D – Wedding Cover – Optional Benefit

If the betrothed partner is not insured by this policy, as perthe schedule of insured persons, we will extend cover under all sections when the wedding has been booked to take place abroad.

What you are covered for1. Wedding attireWe will provide cover for up to a maximum of £1,500, perinsured couple for replacement wedding attire that is lost,damaged, stolen or destroyed whilst on your journey abroad.2. Wedding ringsYour wedding rings are covered for up to £250 in total, perinsured couple should they be lost, stolen or destroyed whilston a journey abroad.3. Wedding giftsThe cost of repair, if economical or the cost of replacements,if your wedding gifts which have been taken or bought on ajourney are lost, stolen or damaged, the maximum we will payis £1,000.4. Wedding photographs and video recordingsWe will provide up to £750 towards reprinting photographs orretaking video recordings, if:a) They are lost, stolen or destroyed whilst on a journey

abroad.b) Your pre-booked professional photographer is unable to

fulfill his obligations due to illness, injury or unforeseentransport problems and you have to make alternativearrangements.

Wedding attire means clothing bought especially for theoccasion including hair styling and flowers.Insured couple means the two individuals who are insuredunder this policy who are due to get married during a journey.

Claims conditionsIn addition to anything mentioned in the general conditions, in order for your claim to be considered you must:1. Keep your tickets and luggage tags.2. Report any loss to the carriers or the Police within

24 hours of its discovery.3. Take all steps to recover property, which is lost or stolen.4. Obtain a property irregularity report from the carriers within

3 days of the incident or where you have reported the loss tothe Police authorities in the country where the loss occurredwithin 24 hours of discovery and obtain a copy of the report.


claiming for to substantiate your claim.You must provide us with as much information as possible tosubstantiate your claim and where necessary make everyattempt to recover your possessions.

What you are not covered for (exclusions)In addition to anything mentioned in the general exclusions,we will not pay claims:1. Where force and violence has not been used to gain

entry to your locked personal accommodation or safetydeposit box.

2. For any items left in any motor vehicle, unless they arekept in the secure area of the motor vehicle and forceand violence is used to gain entry to the vehicle.

3. Caused by wear and tear, loss of value, moth, vermin,and atmospheric or climatic conditions, graduallyoperating causes or by any cleaning, repairing orrestoring process.

4. For any items being shipped as freight or under a bill of lading.

5. For items made of china, glass or similar fragile materials.6. Caused by delay, detention, seizure or confiscation by

Customs or other officials.7. For films, tapes, cassettes, cartridges, or discs that you

have used or recorded on other than their value as unusedmaterial when we will pay the makers latest list price(excluding claims made under part 4 of this section).

8. For perishable goods, bottles or cartons and theircontents or any damage caused by these items.

9. For property more specifically insured by another policy.You must take care to look after your possessions. If youdon’t take precautions with your property, we may not payyour claim.A secure area is defined as being the locked boot of a motorvehicle. This includes the locked luggage compartment of ahatchback or estate vehicle fitted with a lid, fixed tray or rollerblind which closes off the luggage area behind the rear seats.



2. We will make a deduction for wear and tear for claims for clothing.

3. We will deduct an excess of £50.An excess is the amount we will deduct from a claim. Thisamount is payable per insured couple claiming, per claimregistered. Where a single incident gives rise to a claim under2 or more sections of cover, only one excess will be payableper insured couple.

Part E – Hazardous Activities – Optional Benefit

What you are covered forWhere you have pre-booked the following activities beforedeparting on a journey and paid the appropriate premium tous, this insurance will cover your participation in the followingactivities outside the UK:AbseilingBallooningBobsleighingBungee jumpingGlacier Skiing/WalkingHang-glidingHeli-skiingParaglidingParascendingParachutingWhite water raftingUse of Skeletons.

Claims conditionsa) Experts holding the relevant qualifications must supervise

your participation in these activities.

General ExclusionsThese general exclusions apply to the whole policy.This policy excludes any claim arising from:1. Any consequence of war, invasion, act of foreign enemy,

hostilities (whether war be declared or not), civil war,rebellion, revolution, insurrection or military or usurpedpower.

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Terrorism/a terrorist act. This section does not apply tosection B – Personal Accident or to section E – Medicaland Emergency Expenses except where nuclear, chemicalor biological weapons/agents are used.

2. Whether directly or indirectly caused by:a) Ionising radiation or contamination by radioactivity

from any nuclear fuel or from any nuclear waste fromthe combustion of nuclear fuel;

b) The radioactive, toxic, explosive or other hazardousproperties of any explosive nuclear assembly ornuclear component of such assembly;

c) Pressure waves caused by aircraft and other aerialdevices travelling at sonic or supersonic speeds.

3. Death, injury, illness or disablement resulting from suicide,attempted suicide, deliberately injuring yourself or wilfulexposure to danger (except in an attempt to save human life).

4. Injury, illness or disablement resulting from a sexuallytransmitted disease.

5. Death, injury, illness, or disablement resulting from theinfluence of intoxicating liquor or drugs (other than drugstaken under medical supervision and not for the treatmentof drug addiction) or solvent abuse.

6. Any claim caused by drinking too much alcohol or alcoholabuse. We do not expect you to avoid drinking alcoholon your journeys or holidays, but we will not cover anymedical claims arising because you have drunk so muchalcohol that your judgement is seriously affected.

7. Bankruptcy/liquidation of any tour operator, travel agentor transportation company.

8. Claims and losses that are not directly associated withthe incident that caused the claim. For example, loss ofearnings due to being unable to return to work followinginjury or illness happening whilst on a journey or the costof replacing locks in the event that keys are lost.

9. Your unlawful act.10. A medical condition of a close relative, travelling companion

or close business associate (whether they are travelling ornot) who at the time of booking in the last 12 months hasbeen a hospital inpatient or been put on a waiting list forhospital treatment or has been diagnosed with Cancer.

11. Air travel (other than as a fare-paying passenger on aregular scheduled airline or licensed charter aircraft).

12. Manual work or hazardous activities of any kind.13. Travel to areas where, at time of booking the journey or

thereafter but before you travel, the Foreign &Commonwealth Office has advised against travel to. If youare unsure please contact them on 0845 850 2829 orwww.fco.gov.uk/knowbeforeyougo

General ConditionsThese general conditions apply to the whole policy exceptwhere excluded under section M.1. You must tell us about any claim as soon as reasonably

possible. Any increase in costs caused by your delay intelling us will not be covered by this policy. You must alsoinform us if you are aware of any court order to do or stopdoing something, order to attend court or impendingprosecution. Every communication relating to a claimmust be sent to us without delay.

2. You must take all reasonable steps to prevent any loss,damage or accident. If you do not we may not pay yourclaim.

3. You or any person acting for you must not negotiate,admit or repudiate any claim without our written consent.

4. The expense of supplying all certificates, information andevidence, which we may require, will be borne by theinsured person or their legal representative. When a claimfor bodily injury or illness occurs, we may request andpay for, any insured person to be medically examined onbehalf of us. We may also request and will pay for a postmortem examination if any insured person dies.

5. If at the time of any incident which results in any otherinsurance covering the same costs, loss, damage orliability or any part of such we will pay our share inproportion to the sum insured of the claim except underSections H, I, J and where we will pay the full claimsubject to the policy limits.

6. We are entitled to take over and conduct in your namedefence or settlement of any legal action. We may alsotake proceedings at our own expense and for our ownbenefits, but in your name to recover any payment wehave made under the policy to anyone else.

7. In the event of a change of Insurer, the sums insuredstated in the schedule of benefits will be the maximumpayable to each insured person.

8. From time to time it might be necessary to alter yourpolicy. When this situation arises you will be advisedaccordingly. Any such alteration will only apply to journeysbooked by you from the time of receipt of that advice.

9. If any claim is found to be fraudulent in any way, thisincludes exaggerating the amounts of the claim, thispolicy will not apply and all claims will be forfeited. It is acriminal offence to make fraudulent claims and you couldbe prosecuted.

10. We may at any time pay to you our full liability under thispolicy after which no further payments will be made inany respect. We do not have to accept any items thatare recovered or damaged beyond repair.

11. It is a condition of this insurance that all material factswhich is anything that might alter, change or influence thecontinuation of this insurance cover on the same terms,such as pre-existing medical conditions, medical conditionsdiagnosed before booking your journey, criminal convictionsand possible participation in hazardous activities, etc aredisclosed to us. Failure to do so may invalidate thisinsurance leaving you no right to make a claim. We reservethe right to not extend the policy.

12. You must let us know of any medical condition as set outunder Medical Statements on page 7.

HAVE A SAFE TRIPWe are working with the Foreign and Commonwealth Officeto do all that we can to help British travellers stay safeoverseas. Before you go overseas, check out the FCO website at: www.fco.gov.uk/knowbeforeyougo It is packed withessential travel advice and tips, and up-to-date countryspecific information.

p Your Information

Who we areNatWest Advantage Gold Travel Insurance is arranged byNatWest and underwritten by UK Insurance Ltd (UKI). You aregiving your information to NatWest and UKI who are membersof The Royal Bank of Scotland Group (The Group). In thisInformation statement ‘we’ ‘us’ and ‘our’ refers to NatWestand UKI unless otherwise stated.For information about our group of companies please visitwww.rbs.com and click on ‘About Us’, or for similar enquiriesplease telephone 0131 556 8555 or Minicom 0845 900 5960.

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Your electronic informationIf you contact us electronically, we may collect your electronicidentifier e.g. Internet Protocol (IP) address or telephonenumber supplied by your service provider.

How we use your information and who we share it withWe will use your information to manage your insurance policy,including underwriting and claims handling. This may includedisclosing it to other insurers, third party underwriters andreinsurers.Your information comprises all the details we hold about youand your transactions and includes information obtained fromthird parties.We may use and share your information with other membersof the Group to help us and them:– assess financial and insurance risks;– recover debt;– prevent and detect crime;– develop our services, systems and relationships with you;– understand our customers’ requirements;– develop and test products and services.We do not disclose your information to anyone outside the Group except: Where we have your permission; or where we are required orpermitted to do so by law; or to credit reference and fraudprevention agencies and other companies that provide aservice to us or you; or where we may transfer rights andobligations under this agreement.We may transfer your information to other countries on thebasis that anyone to whom we pass it provides an adequatelevel of protection. However, such information may beaccessed by law enforcement agencies and other authorities toprevent and detect crime and comply with legal obligations.From time to time we may change the way we use yourinformation. Where we believe you may not reasonably expectsuch a change we shall write to you. If you do not object tothe change within 60 days, you consent to that change.

Sensitive InformationSome of the personal information we ask you for may besensitive personal data, as defined by the Data Protection Act1998 (such as information about health or criminal convictions).We will not use such sensitive personal data about you or othersexcept for the specific purpose for which you provide it and toprovide the services described in your policy documents.You will have been asked to agree to this when you firstcontacted us but please ensure that you only provide us withsensitive information about other people with their agreement.

Dealing with other peopleIt is our policy to deal with your spouse or partner who calls uson your behalf, provided they are named on the policy. If youwould like someone else to deal with your policy on yourbehalf on a regular basis please let us know. In someexceptional cases we may also deal with other people who call on your behalf, with yourconsent. If at any time you would prefer us to deal only withyou, please let us know.

Credit Reference AgenciesTo assess your insurance application and the terms on whichcover may be offered, we may obtain information about youfrom credit reference agencies to check your credit status andidentity. The agencies will record our enquiries. This will notaffect your credit standing.

Fraud prevention agenciesWe can provide the names and addresses of the agencies weuse if you would like a copy of your information held by them.Please contact us at the address below. The agencies maycharge a fee.

If you would like a copy of the information we hold about you,please write to: The Data Protection Officer, Regulatory RiskDepartment, Churchill Court, Westmoreland Road, Bromley BR1 1DP quoting your reference. A fee may be payable.

If you would like to obtain information held about you byNational Westminster Bank Plc, please write to: The DataProtection Officer, 135 Bishopsgate, London EC2M 3UR.

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National Westminster Bank Plc.

Registered Office: 135 Bishopsgate, London EC2M 3UR.

Registered No: 929027, England. NWB1078 0211

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