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Dive Master Insurance ‘Trip’

Travel Policy Wording

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Contents IMPORTANT ............................................................................................................................................................................... 3

IMPORTANT NOTES ABOUT YOUR POLICY & COVERAGE .......................................................................................................... 4

FITNESS TO TRAVEL REQUIREMENTS & PRE EXISTING MEDICAL CONDITIONS AND LINKED CONDITIONS ............................... 5

PREGNANCY AND CHILDBIRTH ................................................................................................................................................... 5

CLOSE RELATIVES OR BUSINESS ASSOCIATES WHOSE HEALTH MAY AFFECT THE TRIP ............................................................. 5

MAKING A CLAIM ....................................................................................................................................................................... 6

SEEKING EMERGENCY ASSISTANCE............................................................................................................................................ 6

DEFINITIONS TO HELP YOU UNDERSTAND YOUR POLICY .......................................................................................................... 6

ACTIVITIES AND SPORTS THAT ARE COVERED BY YOUR POLICY .............................................................................................. 10

BEFORE YOU TRAVEL ............................................................................................................................................................... 10

PERIOD OF INSURANCE ............................................................................................................................................................ 11

EXTENSION OF THE PERIOD OF INSURANCE ............................................................................................................................ 11

CANCELLATION ........................................................................................................................................................................ 11

SUBROGATION & NON CONTRIBUTION CLAUSE ..................................................................................................................... 12

SECTION A – BAGGAGE & DIVE EQUIPMENT ........................................................................................................................... 12

SECTION B - PERSONAL MONEY ............................................................................................................................................... 14

SECTION C - PERSONAL ACCIDENT ........................................................................................................................................... 14

SECTION D - PERSONAL LIABILITY ............................................................................................................................................ 15

SECTION E - MEDICAL & EMERGENCY EXPENSES ..................................................................................................................... 16

SECTION F - CANCELLATION & CURTAILMENT ......................................................................................................................... 18

SECTION G - DELAYED DEPARTURE .......................................................................................................................................... 21

SECTION H - MISSED DEPARTURE ............................................................................................................................................ 22

SECTION I - HOSPITAL INCONVENIENCE BENEFIT .................................................................................................................... 23

SECTION J - LOSS OF PASSPORT ............................................................................................................................................... 23

SECTION K - LEGAL EXPENSES & ADVICE .................................................................................................................................. 23

SECTION L - LOSS OF ACTIVITY DAYS ........................................................................................................................................ 24

SECTION M – ADVERSE WEATHER ........................................................................................................................................... 24

SECTION N – HIJACK ................................................................................................................................................................. 25

TRAVEL DISRUPTION COVER .................................................................................................................................................... 25

GENERAL EXCLUSIONS ............................................................................................................................................................. 26

CONDITIONS ............................................................................................................................................................................ 27

RESOLUTION OF DISAGREEMENTS .......................................................................................................................................... 28

COMPLAINTS ............................................................................................................................................................................ 28

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IMPORTANT Please read this booklet carefully and keep it safe as it contains important information regarding the

coverage that You have purchased.

YOUR POLICY

This document is only valid when issued with a Dive Master Travel Insurance Schedule or electronic

Schedule. To avoid any misunderstanding please check all the details are correct and that You have

the protection You need and know what to do should You have a loss or need to claim. Please notify

Dive Master if any information that You have provided to Us or circumstances that affect Your travel

risk change at any time. Failure to do so may invalidate Your cover in the event of a claim. If You

have any questions please contact Dive Master by telephone or write to us. Please keep these

documents in a safe place and whilst it is not essential, We would recommend that You take these

documents with You when You travel.

Insurers

This policy is arranged by Dive Master Insurance Consultants Ltd, and is underwritten by Certain

Underwriters at Lloyd’s. Dive Master Insurance is authorised and regulated by the UK Financial Conduct Authority (FCA

member number 306316). Details may be found by visiting the FCA website

(http://www.fca.org.UK/register/home.do) Contract of Insurance

This is Your contract of insurance; it contains certain conditions and exclusions in each section, and

general conditions and exclusions that apply to all sections of the policy. Governing Law and Disputes

This contract of insurance shall be governed by and construed in accordance with the law of England

and Wales. Any dispute or difference arising under or in respect of this policy shall be subject to the

exclusive jurisdiction of the courts of England and Wales. Contract Rights

A person who is not a party to this contract has no right under the Contracts (Rights of Third Parties)

Act 1999 to enforce any term of this contract but this does not affect any right or remedy of a third

party which exists or is available apart from that Act. Language of Contract of Insurance

Unless otherwise agreed, the language of this contract of insurance shall be English. How We Will Use Your Data

We hold Your personal data in accordance with the Data Protection Act 1998. The information

supplied to the Underwriters and Us by You may be held on computer and passed to other Insurers

for underwriting and claims purposes. You should show this to anyone whose personal data may be

processed to administer this insurance. SANCTIONS CLAUSE

Underwriters shall not provide any benefit under this policy to the extent of providing cover,

payment of any claim or the provision of any benefit where doing so would breach any sanction,

prohibition or restriction imposed by law or regulation Cancellation of Your policy and the ‘cooling-off’ period

If this policy does not meet Your requirements then You may cancel the policy within 14 days of

buying the policy, or within 14 days of the date that You received Your policy, provided that You

have not already travelled or have made a claim against the policy.

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IMPORTANT NOTES ABOUT YOUR POLICY & COVERAGE Coverage

This policy is designed to cover residents domiciled in the UK for pre-booked round trips of in Excess

of 48 hours in length commencing in and returning to Your domiciled address, for both Conventional

Leisure Holidays and Diving Holidays. This includes trips with a destination within the United

Kingdom provided such trips involve at least two nights’ accommodation that have been pre booked

before commencement of the trip. Please note that coverage under the liability section only applies

to trips within the UK if they are pre-booked and pre-planned and including at least five nights’

accommodation.

IMPORTANT: This is not a specialist diving liability policy, it does not include coverage for dive

instruction, dive supervision and advice, nor does it include coverage for criminal defence costs

relating to civil liability claims. If You require such specialist benefits please consider purchasing

our Sport Diver or Pro Diver products. Residents who are domiciled outside the UK may also be Insured by agreement. This policy must be

bought before leaving Your Home Address and travel commences. Cancellation Cover

• This policy only covers cancellation for holidays that occur within the policy dates of

coverage.

• Coverage under this section commences from the date the Schedule is issued or Your trip is

booked (whichever is later) and ends at the beginning of each trip or at the end of the policy

(whichever is sooner).

• It is important that should You book a holiday commencing outside the policy dates that You

immediately arrange a policy that covers the dates of that holiday. Reciprocal Health Agreements

When You are travelling to another country within the European Union, You must register for a

European Health Insurance Card at Your local post office or register via www.ehic.org.uk. This

entitles European citizens to benefit from health agreements that exist between countries who are

members of the European Union (EU). In addition if You are travelling to Australia and/or New

Zealand You may be entitled to reciprocal healthcare and You must register with the Medicare or

the equivalent scheme of these countries.

If the Underwriters agree to a claim for medical expenses which has been reduced because You

used an EHIC, reciprocal health agreement or private health insurance the Underwriters will not

apply the Excess for this section. Failure to obtain an EHIC or equivalent reciprocal health agreement

may affect Your ability to claim under this policy. Territorial Limits

The coverage under this policy is Worldwide, but is subject to Foreign & Commonwealth Office

travel advice.

Please visit www.fco.gov.uk or contact Your Tour Operator if You are unsure what the current

published travel advice is for the region that You will be travelling to. However if non-essential travel

is not recommended by the Foreign & Commonwealth Office, but You or Your Tour Operator

maintain that the destination is still safe, then please contact Us as Insurers may still grant coverage

by formal agreement upon consideration of Your travel itinerary. Aggregate

Maximum total aggregate limit(s) of this insurance is: £2,000,000.00 any one loss any one insured.

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FITNESS TO TRAVEL REQUIREMENTS & PRE EXISTING MEDICAL

CONDITIONS AND LINKED CONDITIONS

• This Travel Insurance Policy will not cover any Pre Existing Medical Conditions and linked

conditions that occur before the purchase of the policy unless specifically declared and

agreed.

• This Travel Insurance Policy is designed to cover unforeseen illnesses and accidents that first

occur during the Travel Period. This policy will not cover any claims made as a result of a

pre-existing medical condition or symptoms that You are aware of or that has been

diagnosed or is awaiting diagnosis unless specifically agreed by insurers.

• It is therefore Your responsibility to disclose any medical conditions that may affect our

decision to insure You, and if Your Health Changes after You have taken out this Insurance

Policy then You must contact Us without delay.

• If You decide to book a trip or travel after Your Health Changes and You do not contact Us

We will not pay any claims arising as a result of Your Health Changes. Underwriters reserve

the right to alter the terms of this insurance based on the changed medical circumstances.

PREGNANCY AND CHILDBIRTH We provide cover under this policy if something unexpected or unforeseen happens while You are

travelling. In particular We provide cover under SECTION E- MEDICAL AND EMERGENCY EXPENSES

for injuries to the body or illness that were not expected when the trip commenced. We do not consider pregnancy or Childbirth to be an illness or injury. To be clear, We only provide

cover under SECTION E – MEDICAL AND EMERGENCY EXPENSES, SECTION F- CANCELLATION AND

CURTAILMENT, SECTION I – HOSPITAL INCONVENIENCE BENEFIT, for claims that arise from the

Complications of Pregnancy and Childbirth. Please make sure You read the definition of

“Complications of Pregnancy and Childbirth” on page 7. If You have become pregnant before Your diving holiday commences We will only pay up to the limit

of the policy under SECTION L – LOSS OF ACTIVITY DAYS for any lost diving activities as a result of

the pregnancy.

CLOSE RELATIVES OR BUSINESS ASSOCIATES WHOSE HEALTH

MAY AFFECT THE TRIP If at the time of taking out this insurance, or booking the trip if this was later, You are aware that

Your travel may be cancelled or curtailed because of deteriorating health of a Close Relative or

business associate for which he or she

• was receiving treatment at a hospital, other than routine hospital check-ups for a stable

condition, at regular intervals, which have been arranged beforehand.

• was awaiting a hospital consultation or treatment, other than routine check-ups for a stable

condition, at regular intervals, which have been arranged beforehand.

• had been given a terminal prognosis, or have been told that their condition is likely to

deteriorate in the next 12 months.

We will not pay any claim You or any Insured person makes in relation to/or arising from the

medical condition of the Close Relative or business associate, unless it has been declared to Us and

specifically agreed by underwriters

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MAKING A CLAIM Claims must be reported to Us within 60 days of the incident occurring by submitting an online claim

form found at www.divemasterinsurance.com, or by calling +44 (0) 1702 509094 or by sending an

email to claims@divemasterinsurance.com. The claim form and all supporting claim documents

must then be submitted within 12 months of the initial notification. Please note that if Your claim is

an emergency then please contact NORTHCOTT GLOBAL SOLUTIONS LTD (NGS) as per the SEEKING

EMERGENCY ASSISTANCE instructions.

SEEKING EMERGENCY ASSISTANCE The Insured Persons should use the services of the following named assistance company to the full

for all emergency matters, medical emergency matters, in-patient hospital treatment and

evacuation/repatriation. The assistance company will be solely responsible for all decisions on the

most suitable practical and reasonable solution to any problem, and all such assistance is subject to

the prior approval of said assistance company:

Northcott Global Solutions Ltd

Tel: +44 (0)207 183 8910

Back up Mobile: +44(0) 7785627433

Email: ops@northcottglobalsolutions.com Northcott Global Solutions Ltd (NGS) may be contacted at any time, should the Insured Person

require advice or assistance regarding all emergency matters.

In the event of an Insured Person requiring in-patient hospital treatment and/or

evacuation/repatriation, it is imperative that NGS is contacted and authorisation obtained prior to

such treatment and/or evacuation/repatriation taking place.

NGS must be informed that this Contract covers the person concerned and the following details

must be provided:

• The Insured Person’s name

• The Insured Person’s location

• The Insured Person’s details (including passport/visa etc).

• The Policy number

• ID reference number “NGSDIVE004”

• The name and phone number of the doctor and hospital treating the Insured Person (if

applicable)

• Any additional people (outside of normal protocol) that should be updated throughout

the case

• Nature of the incident

• The desired end state (what you want NGS to do)

• Any other pertinent information on the incident that may effect NGS’ response (security

situation etc)

Failure to contact NGS and obtain authorisation may prejudice the claim and could mean that some

or all of the costs involved may not be paid. The Insured Person should not attempt to find their own

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solution and then expect full reimbursement from the Underwriters without prior approval first

having been obtained from NGS Limited.

In the event that cover cannot be established at the outset of an emergency it is agreed that the first

named insured will guarantee payment until such time that cover can be accepted by insurers.

DEFINITIONS TO HELP YOU UNDERSTAND YOUR POLICY

• Baggage/Property/Luggage - Collective names for Your personal belongings, personal

effects, possessions and any other items that You own.

• Bodily Injury - An identifiable physical injury sustained by You caused by sudden,

unexpected external and visible means. Injury as a result of Your unavoidable exposure to

the elements shall be treated as being caused by Bodily Injury.

• Business trips – Means travel directly as a result of Your profession or occupation excluding

armed forces, police, fire, nursing or ambulance services.

• Child/Children - Means a Dependent Child who is up to 17 years of age or up to the age of

23 years of age provided that they are in full time education. Under this policy a Dependent

Child up to the age of 17 years of age, in addition to travelling with You or Your Partner, will

also be covered to travel independently only with school teachers on an organised school

trip.

• Close Relative - Means a Partner, son(s), daughter(s), parent(s), and parent in law, brother,

sister, brother in law, sister in law, or grandparent(s) or any of these for any Insured person.

• Complications of pregnancy or Childbirth - In this policy ‘Complications of Pregnancy and

Childbirth’ will only include the following:

• Toxaemia (toxins in the blood)

• Gestational diabetes (diabetes arising as a result of pregnancy)

• Gestational hypertension (high blood pressure arising as a result of pregnancy)

• Pre-eclampsia (where You develop high blood pressure, carry abnormal fluid and

have protein in Your urine during the second half of pregnancy)

• Ectopic pregnancy (a pregnancy that develops outside of the uterus)

• Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops

from the placental tissue)

• Post-partum haemorrhage (Excessive bleeding following Childbirth)

• Retained placenta membrane (part or all of the placenta is left behind in the uterus

after delivery)

• Placental abruption (part or all of the placenta separates from the wall of the uterus)

• Hyperemesis gravidarum (Excessive vomiting as a result of pregnancy)

• Placenta praevia (when the placenta is in the lower part of the uterus and covers

part or all of the cervix)

• Stillbirth

• Miscarriage

• Emergency Caesarean section

• A termination needed for medical reasons

• Premature birth more than 8 weeks (or 16 weeks if You know You are having more

than one baby) before the expected delivery date

• Conventional Leisure Holidays – Means non Diving Holidays for leisure purposes only

excluding travel for business and professional purposes

• Curtailment - Means returning home early from a journey or holiday before the Scheduled

return date.

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• Dependent Child – Means a Child who does not necessarily permanently reside with You or

Your Partner but is financially dependent upon You or Your Partner.

• Dive Equipment/Diving Equipment - Means self-contained underwater breathing apparatus,

buoyancy compensators, weights & weight belts, fins, masks, masks with prescription lenses,

snorkels, knives, wet or dry suits, pressure & depth gauges, compasses, torches, lamps, dive

watches, dive computers, purpose made dive bags and anything specifically agreed by us.

• Diving Holidays – Means diving leisure holidays and travelling as a part of group, club or as

an instructor

• Emergency Essential Replacement items - Means items that You have to purchase as a

result of lost or delayed Baggage including items such as prescribed medications, toiletries

and clothing.

• European Union or EU - All member countries of the EU and this includes: Isle of Man,

Channel Islands, Canary Islands and Gibraltar.

• Excess - Refers to the specified portion of a claim that is not covered by the Insurance

Policy. The first £50 or £100 for each and every claim is not covered under some sections of

this policy.

• Health Changes – Means any change to Your own medical circumstances after You have

purchased a policy. This includes any medical condition or symptoms that You are aware of

or that has been diagnosed or is awaiting diagnosis.

• Hijack - Means the unlawful seizure or wrongful exercise of control of a vehicle which You

are travelling in as a Passenger

• Home Address - Means Your Home Address where You are ordinarily domiciled.

• Insurance Policy - A written contract defining the insurance plan, its coverage, exclusions,

eligibility requirements, and all benefits, warranties and conditions that apply to individuals

Insured under the contract.

• Insured/You/Your - Refers to each person named on the Schedule of insurance.

• Loss of Hearing- Means total and irrecoverable Loss of Hearing.

• Loss of Limbs - Means loss by physical severance at or above the wrist or ankle or the total

and permanent loss of use of an entire hand, arm, foot or leg.

• Loss of Sight - Means complete and irrecoverable Loss of Sight.

• Manual Labour - Means work that is physical, including, but not limited to construction,

installation, assembly and building work. You will not be covered for work that involves

installing, putting together, maintaining, repairing or using heavy electrical, mechanical or

hydraulic machinery. This does not include musicians and singers.

• NORTHCOTT GLOBAL SOLUTIONS LTD (NGS) - Our appointed emergency assistance

company.

• Pair or Set of Articles – Means any item/items that are dependent on another item/items to

function properly.

• Partner - Someone to whom You are engaged, married, have a civil Partnership with or have

lived with as a common law husband or wife for at least 3 months. This includes same sex

Partnerships. Your Partner must normally permanently reside at the same address.

• Permanent Total Disablement - Means permanent and total disablement from engaging in

or attending to any kind of profession or occupation.

• Pre Existing Medical Conditions and linked conditions– Means an illness, injury, condition,

symptoms or disease that You have had medical advice for or treatment for or that that You

are aware of or that has been diagnosed or is awaiting diagnosis. This includes but is not

limited to any of the following having occurred in the last two years:

a) Osteoporosis or any arthritic condition;

b) Breathing conditions including but not limited to, Emphysema, Asthma, or Chronic

Obstructive Pulmonary Disease (COPD);

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c) Any psychiatric or psychological condition (including, but not limited to anxiety or

depression);

d) Any heart-related, blood circulatory or diabetic condition;

e) Any neurological condition (including, but not limited to Stroke, Brain Haemorrhage

or Epilepsy):

f) Any bowel condition including, but not limited to Irritable Bowel Syndrome (IBS) or

Crohn’s disease;

Furthermore,

g) Any treatment or hospital tests for cancer in the last five years;

h) Any condition that has been referred to a hospital doctor or surgeon or needed

inpatient treatment in hospital in the last 12 months.

For your information, examples of conditions that can be linked to any pre-existing medical

condition include, but are not limited to:

a) Someone who has or has had cancer who suffers with a secondary cancer;

b) Someone with breathing difficulties who then suffers a chest infection of any kind;

c) Someone with high blood pressure or diabetes who then has a heart attack, stroke

or mini-stroke;

d) Someone with osteoporosis who then suffers with a broken or fractured bone

• Public Transport - Means Scheduled rail, bus, airline services and ferries.

• Schedule – A document issued by Us as formal confirmation of the coverage that You have

purchased.

• Single Article – Means any item/items that are not dependent on another item/items to

function properly.

• Travel Period – Means the period of time that You are travelling and commences from the

time that You leave Your normal place of residence or business until You return. A Travel

Period must be of at least 48 hours in length but must not exceed the maximum trip length

or coverage dates stated on the Schedule.

• ‘UK’ or ‘United Kingdom’ - These terms apply only if the Insured permanently resides in the

United Kingdom. However if You do not permanently reside in the United Kingdom then the

terms ‘UK’ or ‘United Kingdom’ shall be replaced by the country where You are domiciled.

• Unattended - an article will be deemed to be Unattended if it is not close enough and within

the sight of the Insured Person to prevent unauthorised interference.

• Underwriters - Means Certain Underwriters at Lloyd’s.

• Valuables - Means cameras, photographic equipment, underwater photographic and video

equipment(including underwater housings/accessories), camcorders, video equipment,

satellite navigation equipment, television equipment, radios, cassette players, CD players,

IPods, MP3 players, audio equipment, laptops, notebooks, tablet computers, IPads, Mac or

Web books, eBooks, eReaders Including Kindles, personal computers, computer

equipment/accessories, hard drives, flash drives, computer/video games machines,

binoculars, telescopes, antiques, jewellery, watches, fur, precious or semi-precious stones,

articles made of or containing gold, silver or other precious metals, films, tapes, cassettes,

cartridges, discs or DVDs, Blue ray, or Compact discs, mobile telephones, smart phones

satellite phones or other communication devices and their accessories, spectacles,

sunglasses.

• We/Us/Insurers - Means Dive Master Insurance Consultants Ltd and Certain Underwriters at

Lloyd’s.

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• Winter Sports – Skiing & snowboarding (including off-piste within local ski patrol guidelines),

glacier skiing, cross-country skiing, ice skating, sledging, tobogganing, sleigh riding and

curling.

ACTIVITIES AND SPORTS THAT ARE COVERED BY YOUR POLICY You will automatically be covered to participate in the following activities and sports at Your holiday

resort continuously for an unlimited period of time during the Travel Period: ● Amateur athleHcs ● Angling ● Archaeological digging ● Archery ● Badminton ● Ballooning

(organised pleasure rides only) ● Baseball ● Basketball ● Billiards ● Bowls ● Bridge walking (when

supervised by a fully trained guide) ● Camping ● Canoeing ● Catamaran sailing ● Climbing (on a

climbing wall only) ● Cricket ● Croquet ● Curling ● Cycling ● Dancing ● Deep sea fishing ● Dinghy

● Falconry ● Fell walking ● Fencing ● Fishing ● Football (under 3,000 metres alHtude unless

otherwise agreed) ● Glacier walking or trekking (under 3,000 metres altitude unless otherwise

agreed) ● Go-Karting (within organisers guidelines) ● Golf ● GymnasHcs ● Handball ● Hiking

(under 3,000 metres altitude unless otherwise agreed) ● Hockey ● Ice skaHng ● Jogging ●

Kayaking ● Kite surfing (over water) ● KorKall ● Keep Fit ● Motorcycling (up to 125cc) ●

Mountain biking (excluding downhill racing and extreme terrain) ● MulH acHvity courses ● Netball

● Orienteering ● Passenger in private or small aircraL or helicopter ● Petanque ● Pony trekking ●

Pool ● Power liLing ● Quoits ● Racket ball ● RaLing ● Rambling ● Roller Hockey ● Roller

skating/blading ● Rounders ● Rowing (excluding racing) ● Running (sprint and long distance) ●

Safari (with an organised tour) ● Sail boarding ● Sailing (inland and coastal waters only) ● Sand

and land boarding ● *Scuba Diving and Free Diving ● Skateboarding ● Snooker ● Snorkelling ●

●SoLball ● Squash ● Surfing ● Swimming (recreaHonal and coastal)● Table tennis ● Target rifle

shooting ● Tennis ● Tenpin bowling ● Trekking (under 3,000 metres altitude unless otherwise

agreed) ● UlHmate ● Volleyball ● Wake boarding ● Water polo ● Waterskiing ● WeightliLing ●

Windsurfing ● Yoga *Please note that Scuba Diving and Free Diving are covered by this policy, but are Excluded under

SECTION C – PERSONAL ACCIDENT & SECTION E – MEDICAL & EMERGENCY EXPENSES as these risks

are covered by the Dive Master IDEC Diver Accident Insurance Policy. You must therefore ensure

that all divers purchase IDEC insurance to specifically cover any diving related injuries or illnesses. If You intend to participate in an activity that is not included in this list then please review the

Adventure Sports Holiday Cover that We can offer for an additional premium on our annual policies.

BEFORE YOU TRAVEL Check that Your passport(s) is still valid and in date, and that You comply with passport and travel

visa requirements or other documentation that will be required on arriving at Your destination. Check that this Insurance Policy will cover the entire length of Your trip. Check weather and travel conditions that may affect Your journey to the departure airport or port,

and make provision for this in Your journey time. Check with Your Travel provider that You have allocated sufficient time in order to catch any

connecting flights and transfers. Check with Your Travel provider that Your travel destination is considered to be safe* *Although this policy does provide worldwide coverage, please check the Foreign and

Commonwealth Office (FCO) travel advice and also check with the Tour Operator and travel provider

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as the FCO advice may conflict with the Tour Operator and Travel Provider. Please see the notes

entitled Territorial Limits under the IMPORTANT NOTES ABOUT YOUR POLICY section of this

wording. Provide a copy of Your insurance Schedule(s), contact details and a travel itinerary to any family or

friends who will not be travelling with You.

PERIOD OF INSURANCE SECTION F – CANCELLATION AND CURTAILMENT - cancellation cover commences from the date

that the Schedule is issued as shown on Your policy Schedule or the date of booking each trip

(whichever is later) and ends at the beginning of each trip or on the end date of the policy

(whichever is sooner) or running into subsequent periods of insurance specifically declared and

agreed by Underwriters. All other sections shall commence at the time of leaving Your normal place of residence or business,

and shall terminate on return thereto on completion of the journey or holiday. This insurance is only

valid for trips in Excess of 48 hours, but not exceeding the maximum trip limit or the coverage dates

as specified on the Schedule. The policy can only be extended with written agreement. The maximum number of days that You may travel continuously for under this Insurance Policy is

stated in the dates of cover on your policy schedule, unless extended by written agreement.

EXTENSION OF THE PERIOD OF INSURANCE If Your homeward journey cannot be completed before the expiry of the period of insurance this

policy shall remain in force without additional premium as follows:

• Up to 14 days in the event of delay to any vehicle vessel or aircraft in which You are

travelling as a ticket holding passenger.

• Up to 30 days if the intended return journey is prevented due to Your Bodily Injury or

illness. In this event We will continue to pay medical treatment under SECTION E – MEDICAL

AND EMERGENCY EXPENSES (up to the sum Insured provided by the policy) for this period

or such extension of period as is medically certified as being necessary.

CANCELLATION Insurers give You a Cooling Off Period of 14 days from the time You receive the policy. If the policy

and Schedule does not provide You with the protection that You want and You do not want to

continue with the insurance You may cancel the policy within this period and obtain a full refund,

provided that the period of insurance has not commenced. Cancellations made after the Cooling off

Period has ended and after the policy has commenced will be calculated at pro rata, and provided

that no claims have been made or are pending. Only policies with periods of insurance in Excess of

31 days can be cancelled after the Cooling Off period. The Underwriters hold the right to cancel this Insurance at any time within the Period of Insurance

by giving written notice. It is agreed that the Insurer shall not give less than fifteen (15) days prior notice of cancellation to

the Insured. This Insurance will then be cancelled on the basis of a pro-rata refund provided there is no claim

paid or outstanding, in which case no refund will be offered.

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SUBROGATION & NON CONTRIBUTION CLAUSE The underwriting Company has the right to recover against any other valid Insurance Policy or

Source which could be called into contribution. Where another policy covering the same claim is in

force this policy shall apply only in Excess of any amount paid under such other insurance. This policy

will not contribute to any claims that would or have been declined under the terms of this policy or

any endorsements, conditions or exclusions issued to the Insured with this policy.

SECTION A – BAGGAGE & DIVE EQUIPMENT You are covered for: The irretrievable loss, destruction, damage or theft to personal belongings, Valuables, Dive

Equipment, trunks, suitcases and containers that occurs during Your Travel Period. In addition if

Your Baggage is temporarily lost in transit on the outward journey to Your intended destination and

not restored to You within 12 hours after arrival, You are also covered for the purchase of

Emergency Essential Replacement items and for the hire of Diving Equipment until Your Baggage is

restored to You. Limit of Amounts Payable

In the event of irretrievable loss, destruction, damage or theft to Baggage then the total amount

payable overall in respect of each Insured is £2,500, although the maximum sum Insured is £400 in

respect of any Single Article, Pair or Set of Articles including Dive Equipment or Valuables. If the Baggage is temporarily lost in transit on the outward journey then the undernoted maximum

sums Insured shall apply to each Insured: £150 overall in respect of Emergency Essential Replacement items per Insured

£300 overall for the hire of Dive Equipment per Insured, or up to a maximum of £150 towards

purchasing replacement items of Dive Equipment if it is not possible to hire the equipment at Your

destination You are NOT covered for Loss, destruction, damage or theft to:

1. Contact lenses, dentures, hearing aids, pedal cycles, wheel chairs (unless specifically agreed),

vehicles of any kind and their accessories including car keys or key fobs, boats of any kind

and their accessories, antiques, musical instruments, pictures, glass, china, camping

equipment, samples of merchandise, bonds, coupons, securities or documents of any kind,

fragile and brittle articles, household goods, consumables of any description or anything

shipped as freight or under a bill of lading.

2. Valuables within a suitcase, or in Luggage that has been ‘checked in’ with the carrier

3. Sports equipment whilst in use (other than Dive Equipment)

4. Cleaning, repairing or restoring of any item of Baggage or Valuables.

5. Shortages due to error, omission or depreciation in value. Please note that depreciation is

applied at a rate of 10% for each year after the first year that You purchased the claimed

item(s), but up to a maximum of 40% for each item claimed. For example if an item that You

are claiming for was bought for £100.00 5 full years prior to the loss occurring, then the

maximum that may be paid in respect of this item is £60.00.

6. Baggage or Valuables carried for trade or commercial purposes

7. Baggage as a result of confiscation or detention by Customs, other officials or authorities

8. Items that have been hired, loaned or entrusted to You

9. Items of Baggage, Valuables, Dive Equipment that are left Unattended in a public place or a

place in which members of the general public have access to.

DMTTUK010117 13

10. Any item of Valuables that has been left in Your holiday accommodation, unless stored in a

securely locked safety deposit box or locked and secured hotel storeroom

11. Items of Baggage, Dive Equipment that have been left Unattended in Your locked and

secured holiday accommodation or cabin if You are on a live aboard, unless there is

evidence of a forced and violent entry into or exit from Your accommodation or cabin.

12. Items of Baggage, Valuables, Dive Equipment that are left Unattended in a vehicle unless

there is physical evidence of a forcible and violent entry into or exit from the vehicle, and

that the items were stored in the locked and secured glove compartment, boot or Luggage

space of that vehicle and kept out of sight at all times

13. Items of Baggage, Valuables, Dive Equipment that are stolen from an Unattended vehicle

between the hours of 9pm and 7am local time. Further this policy does NOT cover:

14. Loss or theft of Baggage, Valuables, Dive Equipment that is not reported to the police within

48 hours of discovery, and a Police Report obtained which shall be produced as evidence to

accompany Your claim

15. Electrical or mechanical fault of an item of Dive Equipment or Valuables

16. The first £50 of each and every claim for Baggage or Dive Equipment and the first £50 for

Valuables per Insured person, except in respect of temporary loss of Baggage on the

outward journey where no Excess will apply

17. Theft of Baggage, Valuables, Dive Equipment from Your person without force or the threat

or risk of violence

18. Any Item You cannot prove You owned and prove the value of (for example, with original

receipts) for Baggage, Valuables, Diving Equipment

19. Loss, Destruction or Damage to Items of Baggage, Valuables, Dive Equipment while they are

not in Your control or that have been left in the custody of another person, other than those

named under this policy.

20. Anything that is excluded in the GENERAL EXCLUSIONS. Claims Evidence for SECTION A - BAGGAGE AND DIVE EQUIPMENT

We will require (at Your own expense) the following evidence where relevant

• A police report from the local police, within 48 hours of the incident occurring, in the

country where the incident occurred for a loss, theft or attempted theft.

• A Property irregularity report from the airline or a letter from the carrier where loss, theft or

damage occurred in their custody

• A letter from Your tour operator’s representative, hotel or accommodation provider where

appropriate

• If an item of dive or camera equipment is lost while on a dive or on-board a liveaboard then

We will require written confirmation from them that You reported the loss to Your dive

instructor or dive boat skipper.

• All travel tickets and tags

• Receipts proving ownership and value for items lost, stolen or damaged and for all items of

clothing, medication, toiletries replaced if Your Baggage is temporarily lost on Your outward

journey

• Proof of any hire charges if it is necessary for You to hire Dive Equipment because Your

Baggage was delayed on the outward journey

• A letter from the carrier confirming the number of hours Your Baggage was delayed for.

• Repair report where applicable

• Any other relevant information that We may ask for.

DMTTUK010117 14

SECTION B - PERSONAL MONEY You are covered for: Loss or theft of cash and traveller’s cheques belonging or entrusted to You, whilst being carried on

Your person or left in a locked safety deposit box. Any loss or theft must be reported to the local

Police within 48 hours of discovery, and a Police report obtained to support Your claim. Limit of Amount Payable The total amount payable in respect of cash, bank notes and traveller’s cheques combined for each

Insured is £500

The maximum sum payable for each Insured for cash or bank notes is £250 You are NOT covered for:

1. Loss of money left Unattended at any time unless kept in a securely locked safety deposit

box

2. Losses not reported to the Police within 48 hours of discovery and a Police report obtained

which shall be produced as evidence to accompany any claim

3. Money left Unattended in any type of vehicle or in Luggage that has been ‘checked in’ with

a Carrier

4. The first £50 of each and every claim per Insured person

5. Anything that is excluded in the GENERAL EXCLUSIONS

SECTION C - PERSONAL ACCIDENT You are covered for: A Bodily Injury suffered by You during the Travel Period that is caused by an accident resulting

solely and independently of other causes in death or disablement. This is subject to the following:

• Death or disablement occurring within one year of the injury being sustained.

• Benefits not being payable under more than one section and any such payment shall end

this section of the policy in respect of the Insured concerned.

• The injury being sustained during the period of insurance and is the sole cause of Your

consequential death or disablement.

• Maximum aggregate payable under this section of £25,000 The benefits shown below will be paid to You or Your legal representative.

Benefit for an adult of at least

18 years of age

Benefit for a Child of up to the age of

17 years of age

1. Death £10,000 £1,000

2. Loss of one limb or sight in one

eye/or hearing in one ear £10,000 £2,500

3. Loss of two limbs, sight in both

eyes, hearing in both ears or one

of each

£25,000 £5,000

4. Permanent Total Disablement

after 104 weeks except when

compensation is paid under Item

2

£25,000 £5,000

DMTTUK010117 15

You are NOT covered for:

1. Diving accidents or injuries (these risks are covered under IDEC Diver Accident Insurance)

2. Any medical condition that You were aware of or an injury which existed or was incurred

prior to the commencement of the trip.

3. Disease or Illness

4. Pregnancy

5. Any claim that is not reported to Us within 12 months of the injury first occurring

6. Any claims arising directly or indirectly from any injury, illness, death attributable to Scuba

Diving or Free Diving

7. Anything that is excluded in the GENERAL EXCLUSIONS

SECTION D - PERSONAL LIABILITY IMPORTANT: This is not a specialist diving liability policy, it does not include coverage for dive

instruction, supervision and advice, nor does it include coverage for criminal defence costs. If You

require such benefits please consider purchasing our Sport Diver or Pro Diver liability products. You are covered for: All sums which You become personally legally liable to pay for accidents which result in:

• Death or Bodily Injury of any person other than Your employees, Family, Friends or Partner.

• Loss of/or damage to Property which does not belong to You or that is not in the charge or

under the control of You or a member of Your family, household or a person in Your

employment occurring during the period of insurance. Limit of Amount Payable

The total amount payable for all claims made against You arising from any one occurrence is

£2,000,000. We will also pay any extra costs and expenses awarded against You or incurred by You

with our written consent. You are NOT covered for Liability arising from:

1. Any legal responsibility that comes from an injury or loss or damage to Property that:

a. You, a member of Your family, Your Partner, household or a person You employ

owns; or

b. You, a member of Your family, Your Partner, household or a person You employ,

cares for or controls

2. Any legal responsibility, injury, loss or damage:

a. to members of Your family, Your Partner, household, or a person You employ;

b. that results from a contract You have entered into;

c. that results from You owning, using or living on any land or in buildings (except

temporarily for the trip); or

d. that results from You infecting any other person with any sexually transmitted

disease or condition

3. Your trade, business or profession.

4. Scuba Diving supervision and training or any other supervision and training relating to

recreational sports and activities.

5. The ownership, possession or occupation of any land or building (other than holiday

accommodation that You are temporarily occupying, in which case the first £100 of each and

every claim is excluded).

DMTTUK010117 16

6. The ownership, possession or use of animals, mechanically propelled vehicles (other than

pedal cycles, perambulators or Children’s toys), firearms, weapons, gas powered weapons

(including paintball), air rifles, vessels (other than manually propelled water craft) jet skis,

personal water craft, fly boards, mini boats, or aircraft of any description

7. Trips:

a. Within the UK that are not pre-booked and pre-planned and including at least five

nights’ accommodation

b. Trips outside the UK, Isle of Man, Channel Islands or Northern Island, unless the trip

was pre-booked and in Excess of 48 hours in duration

8. Any claim where there is a breach of Your certifying association standards and

recommendations

9. Any claims covered by a more specific liability policy or group dive club or association

liability insurance.

10. Anything that is excluded in the GENERAL EXCLUSIONS Furthermore this policy does not cover criminal defence costs. Special conditions which apply to Section D Under this policy You must:

1. Give Insurers notice of any cause for a legal claim against You as soon as You know about it,

and send them any other documents relating to any claim;

2. Help Insurers and give them all the information they need to allow them to take action on

Your behalf;

3. Not negotiate, pay, settle, admit or deny any claim unless You get Insurers permission in

writing; and be aware that We will have full control over any legal representatives and any

proceedings. We will be entitled to take over and carry out any claim in Your name for Your

defence or prosecute for our own benefit.

SECTION E - MEDICAL & EMERGENCY EXPENSES You are covered for:

We will pay You up to £2,000,000.00 for the following expenses which are necessary and reasonable

if You suffer an unforeseen Bodily Injury, illness or death while You are travelling outside of the

United Kingdom during the period of insurance

1. Emergency Medical, Surgical, Hospital and Ambulance charges incurred outside of the

United Kingdom.

2. Emergency dental treatment for the immediate relief of pain only, this is limited to

£2,000.00

3. Reasonable additional transport and / or accommodation expenses incurred, up to the

standard of Your original booking (for example full or half board, all inclusive, bed and

breakfast, self-catering, or room only), if it is medically necessary for You to stay beyond

Your Scheduled return date. This includes, with the prior authorisation of Dive Master

Insurance, reasonable additional transportation and/or accommodation expenses for a

travelling companion, friend or Close Relative if deemed medically necessary by a medical

practitioner, to stay with You or travel to You from the United Kingdom or escort You, and

additional travel expenses to return You to Your domiciled address if You cannot use Your

return ticket.

4. In the event of Your death:

a. We will pay reasonable costs for the return of Your body or ashes to Your Home

Address or up to £5,000 for the cost of a funeral in the country where You die if this

is outside the United Kingdom

DMTTUK010117 17

b. We will pay up to £2,000 for the cost of returning Your body or ashes to Your Home

Address if You die while in the United Kingdom

5. Up to £20,000 for search and rescue costs that are charged to You by a government or

regulated authority for finding You while doing an Insured activity. Special conditions relating to SECTION E – MEDICAL & EMERGENCY EXPENSES

• If You are admitted to hospital abroad, and it is likely You will be admitted for more than 24

hours then You, or someone on Your behalf, must contact our appointed emergency

assistance company as soon as possible. If You do not do this then the level of cover We are

able to offer will be limited to £5,000.00

• If You receive medical treatment abroad as an outpatient or inpatient and You pay the

hospital or clinic, a claim should be submitted to Dive Master Insurance through our

website. If the initial medical estimate for inpatient or outpatient treatment is likely to

exceed £500, You must contact our appointed emergency assistance company without

delay.

• We reserve the right to move You from one hospital to another You are NOT covered for:

1. The first £50.00 of each and every claim per Insured person

2. Any sums which can be recovered by You or which are covered under any National

Insurance Scheme or Reciprocal Health agreement.

3. Any medical condition for which at the time of effecting this insurance You:

a. Are already receiving medical treatment or You are on a waiting list to receive

medical treatment, or awaiting diagnosis, unless the condition has been specifically

disclosed to Insurers and We have subsequently agreed coverage in writing to You.

b. Have received a terminal prognosis

c. Are intending to travel against the advice of a qualified medical practitioner

4. Any claims arising directly or indirectly from any injury, illness or death attributable to scuba

diving, this is covered by Your separate IDEC policy.

5. Any expenses which are not usual, reasonable or customary to treat Your Bodily Injury,

illness or disease.

6. Any costs for cosmetic surgery or body art (e.g. tattoos or piercings) and any subsequent

medical treatment required as a result of such treatment.

7. Any treatment or services provided by a private clinic or hospital, or any additional hospital

costs for or arising from single or private room accommodation unless the appointed

emergency assistance company have given prior approval and it is medically necessary.

8. Treatment or services provided by a private clinic or hospital, health spa, convalescent home

or any rehabilitation; unless We have agreed that is medically necessary

9. Any costs incurred in obtaining or replacing medication, which You know You will need at

the time of departure or which will have to be continued during the Travel Period.

10. Any costs for phone calls other than those to the appointed emergency assistance company

11. Any treatment which can reasonably be delayed until You return to Your home country.

12. Any costs incurred after You have refused the offer of returning home, when, in the opinion

of our medical advisors You are fit to travel.

13. Any treatment or medication that You receive after You have returned to Your country of

residence.

14. Death, injury, illness or disablement resulting from or arising in connection with pregnancy

or Childbirth where the expected date of birth is before the expiry of the Travel Period or up

to 12 weeks after the expiry of the Travel Period.

15. Any costs for non-emergency medical expenses when in our medical advisors opinion the

Insured is fit to return to the country where they are legally domiciled

16. Anything that is excluded in the GENERAL EXCLUSIONS.

DMTTUK010117 18

Neither NORTHCOTT GLOBAL SOLUTIONS LTD (NGS) nor Certain Underwriters at Lloyd’s are

responsible for the availability, quantity, quality or the results of any medical treatment provided, or

for the failure of the Insured to seek medical services. Claims Evidence.

We will require (at Your own expense) receipts or invoices for all inpatient / outpatient treatment or

emergency dental treatment. In the event of death the original death certificate, bills or invoices for

funeral or cremation. Receipts or bills for taxi fares to or from the hospital claimed for (showing Your

name, date, the amount paid and destination). Receipts or invoices for any other accommodation,

transport or other costs, charges and expenses claimed for under this section of the policy. Any

other relevant information that We may ask You for.

SECTION F - CANCELLATION & CURTAILMENT You are covered for: Cancellation prior to departure:

Refund of non-recoverable deposits and other charges that are pre-paid or contractually incurred in

advance for travel, leisure activities and accommodation in respect of Your own journey or holiday

in the event of unavoidable cancellation of the journey or holiday.

• This policy only covers cancellation for holidays that occur within the policy dates of

coverage.

• Coverage under this section commences from the date the Schedule is issued or Your trip is

booked (whichever is later) and ends at the beginning of each trip or at the end of the policy

(whichever is sooner).

• It is important that should You book a holiday commencing outside the policy dates that You

immediately arrange a policy that covers the dates of that holiday. Curtailment after departure: A proportionate refund of any pre-paid charges and a full refund of

any additional return travel if You are unable to use Your return ticket due to the Curtailment of

Your journey or holiday. We will also pay up to the benefit stated if as a result of failure of Your own

pre-booked travel itinerary or failure of scheduled Public Transport within Your itinerary, You fail to

reach Your final pre-booked destination. For partial delay of over 24 hours in reaching Your final pre-

booked destination as a result of failure of Your own pre-booked travel itinerary We will pay up to

the Curtailment benefit on a pro rata basis for days lost at Your final destination. However it is a

condition of claiming under this section that You must have pre-booked Your travel arrangements

and Your stay at Your final destination prior to Your travel commencing. You must provide Us with

evidence of the failure of Your travel itinerary and an absence of any other reasonable alternative

travel arrangements being available and the consequent financial loss thereof. If You need to return

to the UK before Your due date to do so, and intend to make a claim under this section, You must

phone our assistance company NORTHCOTT GLOBAL SOLUTIONS LTD (NGS) as soon as is possible

on +44 (0)207 183 8910 quoting our reference “NGSDIVE004” and Your policy number. All Claims

resulting from injury, illness, quarantine or death must be supported by medical reports or a death

certificate (or both) indicating the necessity to curtail Your trip. CLOSE RELATIVES OR BUSINESS ASSOCIATES WHOSE HEALTH MAY AFFECT THE TRIP

If at the time of taking out this insurance, or booking the trip if this was later, You are aware that

Your travel may be cancelled or curtailed because of deteriorating health of a Close Relative or

business associate for which he or she

• was receiving treatment at a hospital, other than routine hospital check-ups for a stable

condition, at regular intervals, which have been arranged beforehand.

DMTTUK010117 19

• was awaiting a hospital consultation or treatment, other than routine check-ups for a stable

condition, at regular intervals, which have been arranged beforehand.

• had been given a terminal prognosis, or have been told that their condition is likely to

deteriorate in the next 12 months. We will not pay any claim You or any Insured person makes in relation to/or arising from the

medical condition of the Close Relative or business associate, unless it has been declared to Us and

specifically agreed by underwriters. Limit of Amount Payable

The total amount payable in respect of each Insured is £3,000 Coverage under this section is only as a result of any of the following occurring after the date of

effecting this insurance, or booking Your trip which must be covered by contracted booking

conditions (whichever is later)

1. Cancellation as a result of accidental Bodily Injury or illness that renders You as unfit to

travel or dive prior to travel

2. Curtailment that is medically necessary as a result of Bodily Injury or serious illness to You,

Your Partner or any person that You had arranged to travel with.

3. Cancellation or Curtailment as a result of the quarantine by a physician, or death of any

person named on this Schedule.

4. The Death, Bodily Injury, serious illness or compulsory quarantine of: -

a. Your Partner or any Close Relative who travel depends on.

b. Any person whom You have arranged to travel with, reside with or conduct business

with during the trip.

5. You or any person with whom You have arranged to travel with are summoned for Jury

Service or called as a witness in a Court of Law during the Travel Period.

6. Cancellation of leave for British Forces provided that such cancellation or Curtailment could

not reasonably have been expected at the time of applying for insurance.

7. You or Your Partner are made unemployed and certified as such by the Department of

Employment

8. Your home becomes uninhabitable or Your place of business becomes inoperable or

unusable up to 14 days prior to the commencement of Your trip, due to fire, lightning,

explosion, subsidence, storm, falling trees, malicious damage, burst pipes or impact damage.

9. Your presence is required by the Police following a burglary or attempted burglary at Your

home or place of business

10. We do not consider normal pregnancy or Childbirth to be an injury or illness that renders

You as unfit to travel; We will only pay a claim due to pregnancy or Childbirth under this

section of the policy if a qualified medical practitioner confirms that the claim comes from

the complications of a pregnancy or Childbirth. NOTE:

If You are claiming Cancellation due to being diagnosed as unfit to travel or dive prior to Your date

of travel, We have the right to refer You to a doctor or medical referee for an expert opinion.

In the event that You do not travel and Your holiday booking is resold, We will only be liable for the

difference.

In the event that You discover You are pregnant prior to diving while travelling then We will only be

liable for the loss of activity days under SECTION L – LOSS OF ACTIVITY DAYS of this policy

You are NOT covered for:

1. Any medical condition of any Insured for which at the time of effecting the insurance or

booking Your trip (whichever is later) that the Insured:

DMTTUK010117 20

a. is already receiving medical treatment or is on a waiting list to receive medical

treatment unless the condition has been disclosed to Insurers and coverage has

been subsequently agreed in writing

b. has received a terminal prognosis

c. is intending to travel against the advice of a qualified medical practitioner

2. Any medical condition that is not supported by a qualified medical practitioner’s Medical

Certificate

3. The first £50 of each and every claim per person (except for loss of deposit claims where the

Excess will be the first £10 per Insured person)

4. Failure of transport that is not pre-booked or the failure of Scheduled Public Transport in

delays of less than 24 hours duration

5. Cancellations that are not validated with a cancellation invoice from a recognised and

bonded tour operator ATOL protected and regulated, airline, transport, accommodation, or

other at resort holiday service provider (for example a dive centre at Your destination or

airport car parking company)

6. If you have an independently booked trip there is no cover under this policy for the failure of

Your independently arranged travel itinerary, should You require INDEPENDENT ITINERARY

FAILURE please review the additional policy benefits available with our Annual Multi Trip

policies.

7. Any claim arising from pregnancy or Childbirth, unless a qualified medical practitioner

confirms in writing that the claim is due to the Complications of pregnancy or Childbirth

8. Any Claim for refund of any costs for persons not named on the policy Schedule

9. Any Claim as a result of any serious, chronic or recurring illness, injury or disease affecting

any person whose good heath Your trip depends on that You were aware of when You took

out Your policy or booked Your trip (whichever is later)

10. Any claim made because You did not feel like travelling

11. Accommodation costs paid for using any timeshare, annual membership or maintenance

fees, holiday Property bond, or other holiday points schemes.

12. Any Claim for the loss of any air miles, cruise miles or holiday points You used to pay for the

holiday in part or full.

13. Any claim for the Curtailment of Your trip which was not authorised by our assistance

company NORTHCOTT GLOBAL SOLUTIONS LTD (NGS) or Insurers before You returned

home.

14. Claims that are recoverable from a common carrier or private transport provider, hotel or

other accommodation provider or activity provider.

15. Claims where You have been offered or accepted an alternative or other means of

compensation.

16. Claims for the difference between the value of alternative or other means of compensation

You have accepted.

17. Claims not supported by receipts and/or evidence of payment and rejection by the common

carrier or private transport provider, hotel or other accommodation provider or provider.

18. Claims covered by a Tour Operator’s statutory obligation to provide You with compensation.

19. Claims covered by a Carrier’s statutory obligation to provide You with compensation.

20. Claims covered by ABTA, ATOL, Credits Card schemes or other similar financial guarantee

system.

21. Claims as a result of Your trip being cancelled or curtailed on the instruction of Your

employer.

22. Cancellation claims as a result of booking conditions that breach the UK “Unfair Contract

Terms Act 1977” or equivalent legislation (for example if Your booking terms and conditions

allow You to re-book for a future date)

23. Claims for the cost/s for pre booked recreational developmental diving courses.

DMTTUK010117 21

24. Any claims under SECTION F - CANCELLATION & CURTAILMENT that result directly or

indirectly from any medical condition You knew about at the time of taking out this

insurance, or booking Your trip whichever is later, and that affects:

a. A Close Relative who is not travelling and is not named on this policy

b. Someone travelling with You who is not named on this policy

c. A business associate; or

d. A person You plan to stay with on Your trip Subject to the terms and conditions, such claims may only be covered if the patient’s Doctor is

prepared to state that at the date of purchasing this policy, or the date of booking Your trip

whichever was later, he/she would have seen no substantial likelihood of his / her patients condition

deteriorating to such a degree that You would need to cancel Your trip. If the Doctor will not confirm

this, Your claim is not covered. In the event of a claim the Doctor must complete the relevant

medical certificate on the claim form.

25. Any costs incurred for trips booked after You suffer a Bodily Injury or illness where You are

not fit to travel at the time of booking the trip.

26. Claims as a result of failing to cancel Your holiday at the time of Your Bodily Injury or illness

occurring costs which would have been recoverable under the booking conditions had You

informed the tour operator at the time of the Bodily Injury.

27. Acts of Terrorism

28. Anything that is excluded in the GENERAL EXCLUSIONS Please note

If You have made a holiday booking through an intermediary then it is Your responsibility to ensure

that the booking has been cancelled with the recognised and bonded ATOL protected and regulated

Tour Operator or the at resort service provider. We will not settle Your claim if Your original bookings

are not cancelled with the recognised and bonded, ATOL protected and regulated Tour Operator

and/or the at resort service provider(s), and the intermediary or agent instead resells Your booking.

In this instance the intermediary or agent should refund any deposits and charges that they have

received from You. We only accept cancellation invoices from a recognised and bonded ATOL

protected and regulated Tour Operator, transport, accommodation or other at resort holiday service

provider. We do not accept cancellation invoices from private individuals, group leaders or clubs or

dive centres/schools/clubs that have organised Your travel and diving arrangements.

SECTION G - DELAYED DEPARTURE You are covered for:

The delay in departure of the ship, aircraft, train, bus or coach in which You are booked to travel,

subject to a maximum payment of £150 in all per Insured person. Further if after 24 hours delayed

departure of the outward journey You choose to cancel the holiday We will pay for non-recoverable

deposits and other pre-paid holiday charges up to a maximum of £3,000. The period of delay will be

calculated from the date and time of the Scheduled departure of ship, aircraft, train, bus or coach

specified in Your travel itinerary. You must arrive and check-in according to such itinerary and obtain

written confirmation from the Carrier or their handling agents stating the actual date and time of

departure and the reason for the delay. Limit of Amount Payable

The total amount payable in respect of delay for each Insured person is £150 and We will pay the

sum of £20 for the first full 12 hours of delay in departure, followed by £10 for each subsequent full

12 hours of delay. In respect of abandonment on the outward journey £3,000 is the total amount

payable in respect of each Insured person.

DMTTUK010117 22

You are NOT covered for:

1. Delay caused by strike or industrial action existing or notified by declaration of intent on or

prior to the date this insurance is effected

2. A claim made for both delay in departure and abandonment after 24 hours full delayed

departure for the same occurrence

3. Any claims made under both SECTION G - DELAYED DEPARTURE & SECTION H - MISSED

DEPARTURE for the same occurrence

4. The first £50 of each and every claim per Insured person only in the case of abandonment

after a full 24 hours delayed departure

5. Delay if You do not check-in for the sea crossing, flight, train, bus or coach departure before

the stated check-in time

6. Delay if You do not obtain written confirmation from the shipping company, airline, train,

bus or coach company stating the period and reason for the delay

7. Anything that is excluded in the GENERAL EXCLUSIONS

SECTION H - MISSED DEPARTURE You are covered for:

Additional accommodation and travel expenses up to a maximum of £800 for each Insured person,

necessarily incurred in reaching Your overseas destination or returning home if:

• The vehicle You are travelling in breaks down, is involved in an accident or is delayed due to

road closure, or heavy congestion as the result of an incident that You were unaware of

prior to the outset of Your journey, resulting in You arriving too late to commence Your

booked journey from or to the United Kingdom.

• The Public Transport is delayed resulting in You arriving too late to commence Your pre-

booked journey from or to the United Kingdom.

• A connection to Your point of departure is delayed or cancelled, then there will only be

coverage under this section if Your inbound Scheduled arrival time is at least one hour

before Your advised check-in time for the outbound journey with the carrier or the agent.

• Despite possessing a valid claim for Cancellation under SECTION F CANCELLATION AND

CURTAILMENT You decide to continue with Your holiday plans. Coverage is also provided for the refund of non-recoverable deposits and other pre-paid holiday

charges up to a maximum of £3,000, if as a result of the vehicle You are travelling in breaks down or

is involved in an accident, or due to the failure of the Public Transport that You are travelling in You

miss the departure of Your pre-booked liveaboard accommodation.

You are NOT covered:

1. If You leave insufficient time to meet the check-in time specified by the transport provider

or their agent

2. Unless You obtain written confirmation from the police or a recognised breakdown and

recovery organisation that the vehicle You were travelling in broke down, was involved in an

accident, or confirmation from an authorised motoring organisation that You were delayed

due to a road closure or heavy congestion following an incident that You were unaware of

prior to the outset of Your journey

3. Unless You obtain written confirmation from the Public Transport provider that the service

was delayed resulting in You arriving too late to commence Your booked journey from or to

the United Kingdom

DMTTUK010117 23

4. For any claims made under both SECTION G - DELAYED DEPARTURE & SECTION H - MISSED

DEPARTURE for the same occurrence

5. For anything that is excluded in GENERAL EXCLUSIONS

SECTION I - HOSPITAL INCONVENIENCE BENEFIT You are covered: If You are admitted to a hospital as an in-patient outside of the United Kingdom due to accidental

Bodily Injury or illness first sustained during the Travel Period. Limit of amount payable

We will pay a benefit of £20 for every 24 hours that You are hospitalised but not exceeding £1,000 in

all per Insured person. You are NOT covered for:

1. Hospitalisation within the United Kingdom

2. Anything that is excluded in the GENERAL EXCLUSIONS

SECTION J - LOSS OF PASSPORT We will pay reasonable additional travel and accommodation expenses necessarily incurred abroad

in obtaining a temporary replacement passport, as a result of the loss or theft of Your passport while

abroad during the period of insurance. Limit of amount payable

The total amount payable in respect of each Insured is £250 You are NOT covered:

1. If You do not report Your lost passport to the Police within 48 hours of discovering the loss

2. For any loss, destruction or damage arising from confiscation or detention by Customs or

other officials or authorities.

3. In respect of anything that is excluded in the GENERAL EXCLUSIONS Furthermore this policy does not cover the cost incurred in obtaining a replacement passport on

returning to Your home country.

SECTION K - LEGAL EXPENSES & ADVICE You are covered for: Legal costs and expenses incurred by You in the pursuit of compensation and/or damages against a

third party as a result of Your death or personal injury that occurs during the Travel Period. For any advice please telephone +44 (0) 1702 476902, but please note that complete control over

the legal proceedings and the appointment and control of a solicitor shall be exercised by Dive

Master Insurance Consultants Ltd or Certain Underwriters at Lloyd’s. Limit of amount payable

The total amount payable in respect of each Insured person is £25,000 You are NOT covered for:

1. Costs in pursuance of any claims against a Tour Operator, Travel Agent, Insurers, Insurers

Agent or Carrier

DMTTUK010117 24

2. Any costs or legal expenses that are incurred prior to the authorisation and approval of a

claim by Dive Master Insurance Consultants Ltd

3. Any claims where We consider Your prospects of success in achieving a reasonable

settlement are insufficient

4. Any claim not reported to Dive Master Insurance Consultants Ltd within 180 days after the

event giving rise to the claim

5. Actions between members of the same family or household, or actions to enforce a

judgement or legally binding decision

6. Anything that is excluded in the GENERAL EXCLUSIONS

SECTION L - LOSS OF ACTIVITY DAYS You are covered for: Being unable to participate in pre-booked and pre-paid scuba dives or activity packages (if an

additional premium has been paid) due to Bodily Injury or illness first occurring during the Travel

Period, in which case a proportionate refund of the pre-paid charges may be claimed. The Insured

must produce a Doctor’s Certificate stating the exact nature of the injury or illness, and that the

Insured is unfit to take part in the pre-booked and pre-paid activity. You must produce written

confirmation of the dates and the monetary amount that You paid for the pre-booked and pre-paid

activity. You should also obtain written confirmation from the package provider confirming any

refunds that were issued to You, and the dates that You were unable to participate due to Bodily

Injury or illness.

Being unable to dive during the period of travel due to a normal pregnancy up to the policy limit

shown below. Limit of amount payable

The total amount payable in respect of each Insured person is £500 You are NOT covered for:

1. Claims not verified by a Doctor’s certificate

2. Any injury or illness that renders the Insured unable to dive or participate in an activity

package which was in existence prior to the pre-booked and pre-paid package

3. Any costs, expenses or charges incurred by persons not named on this policy

4. Anything that is excluded in the GENERAL EXCLUSIONS

SECTION M – ADVERSE WEATHER You are covered for: Being unable to participate in pre-booked and pre-paid scuba dives or activity packages due to

adverse weather conditions first occurring during the Travel Period, in which case a proportionate

refund of the pre-paid charges may be claimed. You must produce written confirmation of the dates

and the monetary amount that You paid for the pre-booked and pre-paid activity. You should also

obtain written confirmation from the package provider confirming any refunds that were issued to

You, and the dates that You were unable to participate due to adverse weather conditions. Limit of amount payable

The total amount payable in respect of each Insured person is £500 You are NOT covered for:

1. Claims not verified in writing by the scuba dive or activity package provider

DMTTUK010117 25

2. Any adverse weather conditions that prevent You from participating in a scuba dive or

activity package which was in existence prior to the activity being booked and paid for.

3. Any costs, expenses or charges incurred by persons not named on this policy

4. Poor visibility during a scuba dive following a period of adverse weather

5. Anything that is excluded in the GENERAL EXCLUSIONS

SECTION N – HIJACK You are covered for: Up to £50 per full 24 hours, but up to a maximum of £500 for the duration of a Hijack. Limit of amount payable

The total amount payable in respect of each Insured person is £500 You are NOT covered:

1. If You or Your family or Your business connections have engaged in activities that could be

expected to increase the risk of Hijack

2. Anything that is excluded in the GENERAL EXCLUSIONS

TRAVEL DISRUPTION COVER This Policy will extend to include coverage for claims directly or indirectly caused by civil unrest

including riots, organised protests, arson and looting. Coverage will also extend to claims directly or indirectly caused by Volcanic Eruptions, Ash Clouds,

Earthquakes, Landslides, Floods, Tsunamis, atypical cyclonic storms or any other extraordinary

natural phenomenon. Excluding:

1. Claims that are recoverable from a common carrier or private transport provider, hotel or

other accommodation provider oyactivity provider.

2. Claims where You have accepted an alternative or other means of compensation.

3. Claims for the difference between the value of alternative or other means of compensation

You have accepted

4. Claims not supported by receipts and/or evidence of payment and rejection by the common

carrier or private transport provider, hotel or other accommodation provider or activity

provider.

5. Claims covered by a Tour Operator’s statutory obligation to provide You with compensation.

6. Claims covered by a Carrier’s statutory obligation to provide You with compensation.

7. Claims covered by ABTA, ATOL or other similar financial guarantee system All exclusions under SECTION F - CANCELLATION & CURTAILMENT, GENERAL EXCLUSIONS and

CONDITIONS will still apply. If you have an independently booked trip there is no cover under this policy for the failure of Your

independently arranged travel itinerary, should You require INDEPENDENT ITINERARY FAILURE

please review the additional policy benefits available with our Annual Multi Trip policies.

DMTTUK010117 26

GENERAL EXCLUSIONS This policy does not insure under any Section of this Insurance:

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 Usurped Power

2. Claims of whatever nature directly or indirectly caused by

a. Ionising radiation or contamination by radioactivity from nuclear fuel or from any

waste from the combustion of nuclear fuel

b. The radioactive, toxic, explosive or other hazardous properties of any explosive

nuclear assembly or nuclear component of such assembly

c. Pressure waves caused by aircraft and other aerial devices travelling at sonic or

supersonic speeds

3. Death, injury, illness or disablement resulting from suicide or attempted suicide, wilful

exposure to danger (except in an attempt to save human life), a pre-existing psychiatric

condition, venereal infection or the influence of alcohol liquor or drugs (other than drugs

taken under medical supervision and not for the treatment of drug addiction).

4. Claims made as a result of bankruptcy, liquidation of any tour operator, travel agent or

carrier/ transportation company unless You have purchased the Independent Itinerary

Failure optional additional policy benefit.

5. Driving or riding as a passenger on a motorcycle, quad bike or any other mechanically

assisted cycle if You fail to wear a crash helmet on Your head, or You fail to wear other

safety equipment that is provided

6. Motor cycling as driver unless You are licensed to do so or are riding or driving a motor cycle

that does not exceed 125cc

7. Flying or other aerial activities unless specifically agreed with us, except whilst travelling in

an aircraft as a passenger (not as a pilot or aircrew nor for the purpose of undertaking any

trade or technical operation in or on the aircraft)

8. Participation in expeditions or crewing a vessel from one country to another unless

specifically agreed

9. Claims that are not notified to Us within 60 days of the incident occurring (except under

SECTION C – PERSONAL INJURY), or claims that are not submitted within 12 months of the

initial notification by way of a completed claim form and all supporting claim documents

10. Engaging in or practising for speed or time trials, sprints or racing of any kind

11. Manual Labour of any kind unless specifically agreed.

12. Engaging in Winter Sports

13. The failure of an independently booked travel itinerary. INDEPENDENT ITINERARY FAILURE

is available on our annual policies.

14. Any medical condition of any Insured for which at the time of effecting the insurance or

booking Your trip (whichever is later) that the Insured:

a. is already receiving medical treatment or is on a waiting list to receive medical

treatment unless the condition has been disclosed to Insurers and coverage has

been subsequently agreed.

b. has received a terminal prognosis

c. is intending to travel against the advice of a qualified medical practitioner

15. Claims made as a result of a trip or activity undertaken by an administrative order by Your

employer including armed forces, police, fire, nursing or ambulance services.

16. Any financial loss as a result of Your profession or a profession You are training towards

17. Any liability and / or loss that has been assumed by You under any agreement or contract

that You have made or entered into (such as a hire agreement or holiday booking

conditions)

DMTTUK010117 27

18. Claims made for any losses which are not directly covered by the terms and conditions of

this policy (for example We will not pay for any loss of earnings if You are unable to return

to work after an injury or illness sustained while on a trip, or replacing locks if You lose Your

keys)

19. Any claim that results from You travelling to a country or area where the Foreign and

Commonwealth Office have advised You not to go.

CONDITIONS

1. Cooling off period: Provided that travel has not commenced and that there are no claims

under the policy, then the named Insured(s) can cancel this insurance within the first 14

days from the date of issue of the Schedule of insurance.

2. You must notify Underwriters through Dive Master Insurance Consultants Ltd as soon as

possible after any Bodily Injury, illness, incident or unemployment or on the discovery of any

loss or damage which may give rise to a claim under this policy. You must also inform Us if

You are aware of any writ, summons or impending prosecution. Every communication

relating to a claim must be sent to Us without delay.

3. Claims must be reported to Us within 60 days of the incident occurring by submitting an

online claim form found at www.divemasterinsurance.com, or by calling +44 (0) 1702

509094 or by sending an email to claims@divemasterinsurance.com. The claim form and all

supporting claim documents must then be submitted within 12 months of the initial

notification.

4. You, or any person acting for You, must not negotiate, admit or repudiate any claim without

our written consent.

5. The expense of supplying all certificates (including Police and medical certificates),

information, quotes, estimates of repair, and any other evidence which We may require will

be borne by You or Your legal representative. When a claim for Bodily Injury or sickness

occurs, We may request, and will pay for, an Insured Person to be medically examined on

behalf of Certain Underwriters at Lloyd’s. We may also request, and will pay for, a post

mortem examination if any Insured Person dies.

6. You must, at all times, take reasonable precautions to ensure the safety and supervision of

Your Property. If it is lost or damaged whist in the care of a transport company, authority or

hotel You must report to them in writing, details of the loss or damage.

If Baggage is lost or damaged by an airline/handling agent then You must:

a. Obtain a Property Irregularity Report in the first instance but in the case of

irretrievably lost Luggage then the airline/ handling agent will have to confirm this in

writing.

b. Give formal written notice of the claim to the airline as soon as is practically possible

and retain a copy.

c. Keep all travel tickets and tags for submission to Us if a claim is to be made under

this policy. You should take all practicable steps to recover any articles lost or stolen.

7. If at the time of any incident which results in a claim under this policy, there is any other

insurance covering the same loss, damage, expense or liability We will pay only our rateable

share. This condition does not apply to: SECTION C - PERSONAL ACCIDENT and SECTION J -

HOSPITAL INCONVENIENCE BENEFIT.

8. Certain Underwriters at Lloyd’s are entitled to take over and conduct in Your name the

defence or settlement of any Legal Action. We may also take proceedings at our own

DMTTUK010117 28

expense and for our own benefit, but in Your name, to recover any payment We have made

under the policy to anyone else.

9. If an Insured Person or a person on whose state of health the holiday depends is undergoing

medical treatment at the time the balance of the holiday cost becomes due, such person

shall obtain from his/her usual medical practitioner a certificate confirming the Insured

Person’s fitness or ability to travel and the certificate must be retained for production in the

event of a claim.

10. Where You are receiving medical treatment as a hospital in-patient during the six months

preceding the holiday booking, it is a condition of this policy that You must obtain medical

advice in the form of a letter from Your doctor on the advisability of taking the holiday.

11. It is a condition precedent to cover that in the event of a loss the Insured will cooperate in

providing medical records to Insurers or Insurers appointed medical experts in order to

validate the claim.

12. A Person or company who is not covered by this policy has no right under the Contracts

(Rights of Third Parties) Act 1999 to insist on any terms of this policy being applied. This does

not affect any right or remedy of a third party that exists or is available under this act.

13. You must not act in a fraudulent manner. If You or anyone acting for You:

a. Make a claim under the policy knowing the claim to be false or fraudulently

exaggerated in any respect or;

b. Make a statement in support of a claim knowing the statement to be false in any

respect or;

c. Submit a document in support of a claim knowing the document to be forged or

false in any respect or;.

d. Make a claim in respect of any loss or damage caused by Your wilful act or with Your

involvement/collusion then;

i. We shall not pay the claim

ii. We shall not pay any other claim which has been made or will be made

under the policy

iii. We may at our option declare the policy void

iv. We shall be entitled to recover from You the amount of any claim already

paid under the policy

v. We shall not make any return of premium and

vi. We may inform the police or any other relevant authority of the

circumstances.

RESOLUTION OF DISAGREEMENTS If the Insured has any questions or concerns about this insurance or the handling of a claim, please

contact the intermediary named in the Schedule through whom this insurance was arranged.

COMPLAINTS The Insurer strives to provide an excellent service to all its customers but occasionally things can go

wrong. The Insurer takes all complaints seriously and endeavours to resolve all customers’ problems

promptly. If the Insured has a question or complaint about this insurance or the conduct of its

broker, they should contact that broker in the first instance. Alternatively, if the Insured wishes to contact the Insurer directly to make a formal complaint the

Insured should contact the Compliance Officer at Pembroke Managing Agency Limited.

DMTTUK010117 29

Pembroke Managing Agency Limited - Complaints Manager

Second Floor South

3 Minster Court

London, EC3R 7DD

Telephone: +44 (0)207 337 4400 Once the Insured’s complaint is received Pembroke Managing Agency Limited shall attempt to

respond within 10 working days from the date of receipt but in any event no later than the response

time stipulated by any instructions received from the relevant UK regulator. In the event the Insured is dissatisfied the Insured can refer the matter to Lloyd’s. Their address and

contact details are as follows:- Policyholder and Market Assistance

Lloyd’s

One Lime Street

London

EC3M 7HA Email: complaints@lloyds.com

Tel: +44 (0)20 7327 5693

Fax: +44 (0)20 7327 5225

Details of Lloyd’s complaints procedures are set out in a leaflet “How We Will Handle Your

Complaint” available at www.lloyds.com/complaints. If the Insured remains dissatisfied after Lloyd’s have considered the complaint the Insured may have

the right to refer their complaint to the Financial Ombudsman Service at the following address: Financial Ombudsman Service

Exchange Tower

Harbour Exchange Square

London

E14 9SR Tel 0800 0234 567

Email complaint.info@financial-ombudsman.org.uk

Website www.financial-ombudsman.org.uk Making a complaint to the Financial Ombudsman Service (FOS) does not affect the Insured’s rights

under this policy but if the Insured is not an eligible complainant then the informal complaint

process ceases. A summary of the Insurer’s complaint handling procedure is available on request and will also be

provided to the Insured when acknowledging a complaint. About the Financial Ombudsman Service (FOS) Eligible complainants are:

a. private individuals; and

b. micro-enterprises.

c. ‘Micro-enterprises’ will be able to bring complaints to the ombudsman as long as they have

an annual turnover of under EUR2 million and fewer than ten (10) employees.

d. charities with an annual income of less than GBP1million; or

e. a trustee of a trust with net assets of less than GBP1million. The FOS will only consider a complaint if the Insured is an eligible complainant and if:

DMTTUK010117 30

a. the Insurer has been given an opportunity to resolve it and

b. the Insurer has sent the Insured a final response letter and the Insured has referred its

complaint to the FOS within six (6) months of the Insurer’s final response letter or

c. the Insurer has not responded to the Insured’s complaint with a decision within eight (8)

weeks. If You were sold this product online or by other electronic means and within the European Union

(EU) You may refer Your complaint to the EU Online Dispute Resolution (ODR) platform. Upon

receipt of Your complaint the ODR will escalate Your complaint to Your local dispute resolution

service – this process is free and conducted entirely online. You can access the ODR platform on

http://ec.EUropa.EU/odr. Financial Services Compensation Scheme

Pembroke Managing Agency Limited is covered by the Financial Services Compensation Scheme. The

Insured may be entitled to compensation from the Scheme if the Insurer is unable to meet its

obligations under this contract. Entitlement to compensation under the Scheme depends on the type of business and circumstances

of the claim. Further information about compensation scheme arrangements is available from the

Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers, Portsoken Street, London, E1

8BN or from their website (www.fscs.org.uk).