Post Office Single Trip

Declaration
Post Office travel insurance contains health restrictions
You, and everyone insured on your policy, must answer the following five questions. If any of you answer yes to any of the questions, you must call the Post Office
medical screening line on 0845 602 5275 and quote scheme code PTS2 to see if we can provide cover for your existing condition(s). They will ask you some specific questions and they will tell you if we can provide cover for the condition(s) in question.
You may have to pay an additional amount to obtain cover for your existing medical condition(s).
If there is a change in your health after you have taken this policy but before you travel or book a further trip and you then would answer yes to any of the following questions, you must call Post Office medical screening line, on 0845 602 5275 and quote scheme code PTS2, who will confirm if your cover is affected. If the change in your health is significant and we can no longer continue the full cover we would if necessary cover the cost of cancellation for any trips already booked.
Questions
1. Is any person waiting for: an operation; a post-operative check-up;        Yes/ No
any investigation or the results of one, e.g. scan, X-ray, biopsy, blood test, etc;
any other hospital treatment or consultation?
NB Q1. If you have regular pre-arranged check-ups for a stable condition, and can agree with the rest of the questions, we do not need to know about this.
2. Has any person ever received treatment for: a stroke; any form of cancer,       Yes/ No
leukaemia or tumour; a transplant; any heart problem; dialysis or diabetes?
3. Has any person received treatment in the last 12 months for: any blood        Yes/ No
disorder, breathing or respiratory problems; psychiatric illness or dementia?
NB Q3. If the treatment you receive, for the above conditions, is regular medication only
and your dosage has not changed in the last 12 months, we do not need to know about this.
4. In the last three months has any person been seen by a specialist        Yes/ No
or been admitted to hospital overnight?
NB Q4. If you have seen a specialist as a result of an arranged check-up for a stable
condition, and can agree with the rest of the questions, we do not need to know about this.
5. Has any person been given a terminal prognosis by a registered doctor?       Yes/ No
If you, and everyone insured on your policy, have answered no to all of the above questions, you do not
need to call us and we will provide full cover.
If you, or anyone insured on your policy, has answered yes to one or more questions, this policy may not provide full cover if you make a claim relating to that medical condition.
Close relatives or business associates whose health may affect the trip
If at the time of taking this insurance, or booking the trip if this was later, your close relative or business colleague had a medical condition for which he or she
- was receiving treatment at a hospital, other than where you go to hospital for check-ups for a stable condition, at regular intervals, which have been arranged beforehand
- was waiting for a hospital consultation or treatment, other than where you go to hospital for check-ups for a stable condition, at regular intervals which have been arranged beforehand
- had been given a terminal prognosis, or been told that their condition is likely to get worse in the next 12 months
we will not pay for any claim you or any insured person make that has anything to do with the medical condition of that close relative or colleague.

Section 5 Medical Emergency and Associated Expenses
1. If you are travelling outside the United Kingdom we will pay up to £10,000,000 for any necessary and reasonable expenses caused by your illness, injury or death commencing and occurring during the period of insurance for:
a) Expenses you would have to pay, outside the United Kingdom and the country where you normally live, within 12 months of the start of your illness or injury. The expenses must be for medical, surgical and hospital charges, ambulances, nursing homes and nursing.
b) Emergency dental treatment up to £200 for the immediate relief of pain only.
c) The extra cost of you returning home.
d) Extra accommodation (room only) expenses if you are advised by a doctor that you should stay longer than you intended.
e) Extra travel and accommodation (room only) expenses where a doctor has advised it is necessary for one person to stay with you or to travel from the United Kingdom to escort you home if you are seriously ill or injured.
f) Up to £2,500 for funeral expenses abroad.
g) The additional cost of bringing your body or ashes home.
h) Up to £150 for unrecoverable expenses in respect of excursions you have paid for before your departure but which you have not made.
2. If you are travelling within the United Kingdom we will pay you up to £10,000 for any necessary and reasonable expenses caused by your illness, injury or death occurring during the period of insurance for:
a) Extra travel and accommodation expenses if you are advised by a doctor that such travel or accommodation is necessary.
b) Extra travel and accommodation expenses where a doctor has advised it is necessary for one person to stay with you or to travel to be with you if you are seriously ill or injured.
c) The extra cost of bringing your body or ashes home.
d) Extra charges necessarily incurred to transfer you by ambulance to a hospital or nursing home nearer your home.
e) Extra charges necessarily incurred to recover your car and your personal belongings to your home if you and no other other person travelling with you at the time of your discharge from hospital are able to drive the car.
Exclusions applying to Sections 5, 6 & 7 Medical Emergency and Associated Expenses, Hospital Benefit and Personal Accident
1. You are not covered for claims arising directly or indirectly by any of the following:
a) Any circumstances you were aware of at the time this insurance was bought, or at the time of booking a trip that would result in the trip being cancelled or cut short, unless, before the trip, we agreed in writing to cover it.
b) Where you have travelled against the advice of a doctor or in order to obtain medical treatment or advice abroad.
c) Any treatment or surgery which our medical advisers reasonably believe is not essential or could wait until your return home.
d) Any treatment or surgery or exploratory tests which are not directly related to the illness or injury for which you originally went into hospital. (unless agreed by Assistance International beforehand)
e) Cosmetic or elective surgery.
f) Medication and treatment which you knew you would need while you were away.
g) Any extra costs incurred for a single or private room unless medically necessary.
h) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre.
i) Repairs to or the provision of dentures or artificial teeth or any dental work involving the use of precious metals.
j) Any claim arising from motorcycling where you are the driver or passenger unless you or the driver holds a current and valid licence which allows you or them to ride a motorcycle and you are wearing a helmet.
k) Your suicide, attempted suicide, intentional self-injury or deliberate exposure to danger (unless in an attempt to save someone's life).
l) You being under the influence of alcohol, solvents or drugs (except drugs prescribed by a doctor other than for the treatment of drug abuse).
m) Pregnancy or childbirth, where the due date is less than eight weeks after the intended date of returning home.
n) Any claim resulting directly or indirectly from you participating in any hazardous activity.
2. We will not pay the first £50 for any loss, charge or expense incurred in respect of each claim under Medical Emergency and Associated Expenses.The maximum excess you and your family will pay in respect of any one event claimed for is £100.
Conditions applying to Sections 5, 6 & 7 Medical Emergency and Associated Expenses, Hospital Benefit and Personal Accident
1. Assistance International must be called immediately or as soon as reasonably possible to authorise any expenses for medical treatment abroad or if you have to return home early. If you do not do this we may not pay your claim.
2. You must not arrange in-flight medical care for your return journey without the permission of Assistance International. Our medical advisers will consult with the doctors treating you to decide if this is reasonably necessary and will make the most appropriate arrangements for you.
3. We may instruct you to return home if our medical advisers and the doctors treating you decide on reasonable grounds that you are fit to travel. If you refuse to be repatriated all cover under the policy will cease.

Section 7 Personal Accident
If you sustain accidental bodily injury during the period of insurance and the injury results in your death or disability (as listed below) within 12 months from the date of the accident we will pay you (or your legal personal representative(s) in the event of death) the following benefits:
1 Death of a person aged 18 to 70      £15,000
2 Death of a person under the age of 18 or over the age of 70   £1,000
3 Loss of one or more limbs or loss of sight in one or both eyes  £25,000
4 Permanent Total Disablement of a person aged 18 to 70 years  £30,000
5 Permanent Total Disablement of a person under the age of 18 or over the age of 70 £ Nil
As well as the general conditions and exclusions in part E, the following conditions and exclusions apply to Sections 5, 6 & 7
Exclusions applying to Sections 5, 6 & 7 Medical Emergency and Associated Expenses, Hospital Benefit and Personal Accident
1. You are not covered for claims arising directly or indirectly by any of the following:
a) Any circumstances you were aware of at the time this insurance was bought, or at the time of booking a trip that would result in the trip being cancelled or cut short, unless, before the trip, we agreed in writing to cover it.
b) Where you have travelled against the advice of a doctor or in order to obtain medical treatment or advice abroad.
c) Any treatment or surgery which our medical advisers reasonably believe is not essential or could wait until your return home.
d) Any treatment or surgery or exploratory tests which are not directly related to the illness or injury for which you originally went into hospital. (unless agreed by Assistance International beforehand)
e) Cosmetic or elective surgery.
f) Medication and treatment which you knew you would need while you were away.
g) Any extra costs incurred for a single or private room unless medically necessary.
h) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre.
i) Repairs to or the provision of dentures or artificial teeth or any dental work involving the use of precious metals.
j) Any claim arising from motorcycling where you are the driver or passenger unless you or the driver holds a current and valid licence which allows you or them to ride a motorcycle and you are wearing a helmet.
k) Your suicide, attempted suicide, intentional self-injury or deliberate exposure to danger (unless in an attempt to save someone's life).
l) You being under the influence of alcohol, solvents or drugs (except drugs prescribed by a doctor other than for the treatment of drug abuse).
m) Pregnancy or childbirth, where the due date is less than eight weeks after the intended date of returning home.
n) Any claim resulting directly or indirectly from you participating in any hazardous activity.
2. We will not pay the first £50 for any loss, charge or expense incurred in respect of each claim under Medical Emergency and Associated Expenses.The maximum excess you and your family will pay in respect of any one event claimed for is £100.
Conditions applying to Sections 5, 6 & 7 Medical Emergency and Associated Expenses, Hospital Benefit and Personal Accident
1. Assistance International must be called immediately or as soon as reasonably possible to authorise any expenses for medical treatment abroad or if you have to return home early. If you do not do this we may not pay your claim.
2. You must not arrange in-flight medical care for your return journey without the permission of Assistance International. Our medical advisers will consult with the doctors treating you to decide if this is reasonably necessary and will make the most appropriate arrangements for you.
3. We may instruct you to return home if our medical advisers and the doctors treating you decide on reasonable grounds that you are fit to travel. If you refuse to be repatriated all cover under the policy will cease.
Conditions applying to Section 7 Personal Accident
1. We will not pay you personal accident benefits for more than one benefit to any one insured person for injuries caused by one accident.
2. If you make a claim, you must allow our medical advisers to examine you as often as they need to. (We will pay any costs and your expenses for these examinations if we accept your claim.)

Section 6 Hospital Benefit
If you are travelling outside the United Kingdom we will pay you up to £800 (£15 for each completed 24 hour period) if you are kept in hospital during the period of insurance as an in-patient.
Any amount you receive under this Section will be in addition to any amount that you receive under the Medical Emergency and Associated Expenses Section. You may use this benefit to help pay for incidental expenses incurred such as telephone calls and taxi fares.
A medical certificate must be obtained from the treating doctor showing the period of admission to hospital.
Exclusions applying to Sections 5, 6 & 7 Medical Emergency and Associated Expenses, Hospital Benefit and Personal Accident
1. You are not covered for claims arising directly or indirectly by any of the following:
a) Any circumstances you were aware of at the time this insurance was bought, or at the time of booking a trip that would result in the trip being cancelled or cut short, unless, before the trip, we agreed in writing to cover it.
b) Where you have travelled against the advice of a doctor or in order to obtain medical treatment or advice abroad.
c) Any treatment or surgery which our medical advisers reasonably believe is not essential or could wait until your return home.
d) Any treatment or surgery or exploratory tests which are not directly related to the illness or injury for which you originally went into hospital. (unless agreed by Assistance International beforehand)
e) Cosmetic or elective surgery.
f) Medication and treatment which you knew you would need while you were away.
g) Any extra costs incurred for a single or private room unless medically necessary.
h) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre.
i) Repairs to or the provision of dentures or artificial teeth or any dental work involving the use of precious metals.
j) Any claim arising from motorcycling where you are the driver or passenger unless you or the driver holds a current and valid licence which allows you or them to ride a motorcycle and you are wearing a helmet.
k) Your suicide, attempted suicide, intentional self-injury or deliberate exposure to danger (unless in an attempt to save someone's life).
l) You being under the influence of alcohol, solvents or drugs (except drugs prescribed by a doctor other than for the treatment of drug abuse).
m) Pregnancy or childbirth, where the due date is less than eight weeks after the intended date of returning home.
n) Any claim resulting directly or indirectly from you participating in any hazardous activity.
2. We will not pay the first £50 for any loss, charge or expense incurred in respect of each claim under Medical Emergency and Associated Expenses.The maximum excess you and your family will pay in respect of any one event claimed for is £100.
Conditions applying to Sections 5, 6 & 7 Medical Emergency and Associated Expenses, Hospital Benefit and Personal Accident
1. Assistance International must be called immediately or as soon as reasonably possible to authorise any expenses for medical treatment abroad or if you have to return home early. If you do not do this we may not pay your claim.
2. You must not arrange in-flight medical care for your return journey without the permission of Assistance International. Our medical advisers will consult with the doctors treating you to decide if this is reasonably necessary and will make the most appropriate arrangements for you.
3. We may instruct you to return home if our medical advisers and the doctors treating you decide on reasonable grounds that you are fit to travel. If you refuse to be repatriated all cover under the policy will cease.

Section 9 Personal Money
We will pay you up to £500 (limited to £250 in respect of cash) if your personal money is lost or stolen during the period of insurance. Cover under this Section commences from the time you receive your personal money or 72 hours before you leave home to commence your trip, whichever is later.
You will need to report your loss and obtain proof - as well as the exclusions below, please read the policy conditions and exclusions on pages 30 to 32.
Personal Money and Loss of Passport Exclusions
1. We will not pay for:
a) More than £250 for loss of cash.
b) Loss of personal money unless it is with you at the time, in a locked safe or safety deposit box or locked in the accommodation you are using on your journey.
c) Loss caused by depreciation in value or shortage caused by error or omission.
d) Loss of travellers cheques if you have not complied with the issuers conditions or where the issuer provides a replacement service.
e) Loss or theft of ski lift pass.
f) your personal money being delayed, detained or confiscated by customs or other officials.
g) claims arising where You fail to exercise reasonable care for the safety and supervision of your property.
h) Claims where You fail to obtain a written police report within 24 hours of the discovery in the event of loss or theft.
i) Any expenses in connection with Loss of Passport, arising after you have returned to the United Kingdom.
2. We will not pay the first £50 for any loss, charge or expense incurred in respect of each claim under this Section. The maximum excess you and your family will pay in respect of any one event claimed for is £100.

Section 12 Legal expenses
(If you have to make a claim under this section, please follow the claims procedure in part G)
Definitions which only apply to this section.
We, us, our DAS Legal Expenses Insurance Company Limited.
Appointed lawyer The lawyer, or other suitably-qualified person, who has been appointed to act for you under conditions 2 to 8 of this section.
Legal costs All reasonable and necessary costs charged by the appointed lawyer on a standard basis. Also the opponent's costs in civil cases if you have to pay them,or pay them with our agreement.
Date of the incident The date the incident happened which may lead to a claim. If there is more than one event arising at the same time or from the same cause, then the date of the incident is the date of the first of these events.
Insured An event which causes the death of, incident or bodily injury to, you.
Under this section, we will negotiate for your legal rights after an insured incident. We will also help in appealing or defending an appeal. If you use an appointed lawyer, we will pay the legal costs for this. The most we will pay for all claims for an insured incident resulting from one or more event arising at the same time or from the same cause is £25,000. We will not pay fines, damages or other penalties, which you are ordered to pay.
What is covered
We agree to provide legal expenses cover, keeping to the terms, conditions and exclusions, as long as:
- any legal proceedings will be dealt with by a court or other body which we agree to;
- in civil claims, it is always more likely than not that an insured person will recover damages (or other legal remedy) or make a successful defence; and
- the insured incident happens during the period of insurance.
As well as the general conditions and exclusions in part E, the following conditions and exclusions apply.
What is not covered
1. Any claim reported to us more than 180 days after the date you should have known about the insured incident.
2. Any legal costs incurred before we agree to pay them.
3. Any claim relating to the following:
- Any illness which develops gradually or is not caused by a specific or sudden accident.
- You driving a motor vehicle for which you do not have valid motor insurance.
- An application for Judicial Review.
4. Defending your legal rights but defending a counter claim is covered.
5. Any disagreement with us that is not in condition 17 of this section.
6. Any legal action you take which we or the appointed lawyer have not agreed to or where you do anything that hinders us or the appointed lawyer.
7. Any disagreement with the travel agent, tour operator, carrier or any of the insurers listed at the end of part B.
Conditions
You must do the following.
1. Send everything we ask for in writing and give us full details of any claim, and any information we need, as soon as possible.
2. We can take over and conduct, in your name, any claim or legal proceedings at any time before an appointed lawyer is appointed. We can negotiate any claim on your behalf.
3. If we agree to start legal proceedings and you have to be represented by a lawyer, or if there is a conflict of interest, you can choose an appointed lawyer by sending us the lawyer' s name and address. We may choose not to accept the choice of lawyer, but only in exceptional circumstances. If you and we disagree over the choice of appointed lawyer, another lawyer can be appointed to decide the matter (see condition 17).
4. Before you choose a lawyer, we can appoint an appointed lawyer.
5. We will appoint an appointed lawyer to represent you according to our standard terms of appointment. The appointed lawyer must co-operate fully with us at all times.
6. We will have direct contact with the appointed lawyer.
7. You must co-operate fully with us and the appointed lawyer and must keep us up-to-date with the progress of the claim.
8. You must give the appointed lawyer any instructions that we ask for.
9. You must tell us if anyone offers to settle the claim.
10. If you do not accept a reasonable offer to settle a claim, we may refuse to pay further legal costs.
11. You must not negotiate or agree to settle a claim without our approval.
12. We may decide to pay you the amount of damages that you are claiming or is being claimed against you instead of starting or continuing legal proceedings.
13. If we ask, you must tell the appointed lawyer to have legal costs taxed, assessed or audited.
14. You must take every step to recover legal costs that we have to pay and must pay us any legal costs that you recover.
15. If your appointed lawyer refuses to continue acting for you or if you dismiss your appointed lawyer, the cover we provide will end at once, unless we agree to appoint another appointed lawyer.
16. If you stop a claim without our agreement, or do not give suitable instructions to your appointed lawyer, the cover we provide will end at once.
17. If we and you disagree about the choice of appointed lawyer, or about how a claim is handled, we and you can choose another lawyer to decide the matter. We and you must both agree to this in writing. If we cannot agree with you about the choice of second lawyer, we will ask the president of a relevant national law society to choose a lawyer. Whoever loses the disagreement will have to pay the costs of settling it.
18. If we and you disagree about the choice of representative, or about how a claim is handled, we and you can choose another representative to decide the matter. We and you must both agree to this in writing. Whoever loses the disagreement will have to pay the costs of settling it.
19. We may ask you to get (at your own expense) an opinion from a barrister chosen by you and us about whether a claim or proceedings will be successful. If the barrister believes that it is more likely than not you will recover damages (or reach a solution that we have agreed to) or make a successful defence, we will pay the cost of obtaining the opinion.

Section 10 Loss of Passport
We will pay you up to £250 for necessary and reasonable extra travel accommodation and communication expenses outside of Great Britain, Northern Ireland and the Isle of Man involved in getting a replacement passport or visa if it is lost or stolen during the period of insurance.
You will need to report your loss and obtain proof please read the policy conditions and exclusions on pages 30 to 32
As well as the general conditions and exclusions in part E, the following exclusions apply to Sections 8, 9 & 10.
Personal Money and Loss of Passport Exclusions
1. We will not pay for:
a) More than £250 for loss of cash.
b) Loss of personal money unless it is with you at the time, in a locked safe or safety deposit box or locked in the accommodation you are using on your journey.
c) Loss caused by depreciation in value or shortage caused by error or omission.
d) Loss of travellers cheques if you have not complied with the issuers conditions or where the issuer provides a replacement service.
e) Loss or theft of ski lift pass.
f) your personal money being delayed, detained or confiscated by customs or other officials.
g) claims arising where You fail to exercise reasonable care for the safety and supervision of your property.
h) Claims where You fail to obtain a written police report within 24 hours of the discovery in the event of loss or theft.
i) Any expenses in connection with Loss of Passport, arising after you have returned to the United Kingdom.
2. We will not pay the first £50 for any loss, charge or expense incurred in respect of each claim under this Section. The maximum excess you and your family will pay in respect of any one event claimed for is £100.

Section 14 Mugging
We will pay you £50 in total if, because of a mugging involving a violent and threatening attack, you receive a bodily injury and need medical treatment. This cover is in addition to the cover provided by Section 5.
As well as the general conditions and exclusions in part E, the following exclusion applies to Section 14.
Mugging Exclusions
1. We will not pay you for:
a) A mugging claim unless you have made a report to the police within 24 hours of the incident.

Section 4 Hijack
We will pay you £50 (£1,000 in all) for each complete 24 hour period that you are unable to reach your trip destination or return to your home because the plane or ship you are travelling on is hijacked.
Subject to the general conditions in part E.

Part D Optional Winter Sports Cover
If you have bought annual multi-trip insurance to include winter sports cover, you are covered up to 21 days in any single policy period for winter sports cover. For single trip cover, you must pay the appropriate additional premium to include winter sports cover for each trip where you intend to participate in winter sports activities.
The following winter sports are not covered: ski-racing, ski-jumping, off-piste skiing unless accompanied by a qualified guide or instructor, ice hockey, bobsleighing, the use of skeletons, toboggans or luges, freestyle skiing, competitive skiing.

We will pay you up to £700 for the replacement cost (less an amount for wear and tear) of skis, bindings, boots and poles owned or hired by you if they are lost, stolen or damaged.
Winter Sports Equipment and Ski Hire Exclusions
1. We will not pay for:
a) Loss or damage caused by general wear and tear.
b) Any amounts you can get from someone or somewhere else.
2. We will not pay your claim for Winter Sports Equipment if:
a) You fail to exercise reasonable care for the safety and supervision of your property.
b) You fail to obtain a written police report within 24 hours of the discovery in the event of loss or theft.
c) You fail to obtain a carrier's report or in the case of an airline a "Property Irregularity Report" where your property has been lost or damaged in transit.
N.B. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days
d) Your personal belongings are delayed, detained, or confiscated by customs or other officials.
3. The first £50 of each claim you make under Section 18 will not be paid. The maximum excess you and your family will pay in respect of any one event claimed for is £100.

We will pay you up to £700 for the replacement cost (less an amount for wear and tear) of skis, bindings, boots and poles owned or hired by you if they are lost, stolen or damaged.
Winter Sports Equipment and Ski Hire Exclusions
1. We will not pay for:
a) Loss or damage caused by general wear and tear.
b) Any amounts you can get from someone or somewhere else.
2. We will not pay your claim for Winter Sports Equipment if:
a) You fail to exercise reasonable care for the safety and supervision of your property.
b) You fail to obtain a written police report within 24 hours of the discovery in the event of loss or theft.
c) You fail to obtain a carrier's report or in the case of an airline a "Property Irregularity Report" where your property has been lost or damaged in transit.
N.B. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days
d) Your personal belongings are delayed, detained, or confiscated by customs or other officials.
3. The first £50 of each claim you make under Section 18 will not be paid. The maximum excess you and your family will pay in respect of any one event claimed for is £100.

We will pay you up to £700 for the replacement cost (less an amount for wear and tear) of skis, bindings, boots and poles owned or hired by you if they are lost, stolen or damaged.
Winter Sports Equipment and Ski Hire Exclusions
1. We will not pay for:
a) Loss or damage caused by general wear and tear.
b) Any amounts you can get from someone or somewhere else.
2. We will not pay your claim for Winter Sports Equipment if:
a) You fail to exercise reasonable care for the safety and supervision of your property.
b) You fail to obtain a written police report within 24 hours of the discovery in the event of loss or theft.
c) You fail to obtain a carrier's report or in the case of an airline a "Property Irregularity Report" where your property has been lost or damaged in transit.
N.B. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days
d) Your personal belongings are delayed, detained, or confiscated by customs or other officials.
3. The first £50 of each claim you make under Section 18 will not be paid. The maximum excess you and your family will pay in respect of any one event claimed for is £100.

Section 20 Ski Pack
We will pay you up to £250 for the unused part of ski pack costs that you have not used if you fall ill or become injured during the trip (Ski pack means ski hire, ski lessons and lift pass).
As well as the general conditions and exclusions in part E, the following exclusions apply to Section 20.
Ski Pack Exclusions
1. We will not pay for Accidental injury, illness or death caused directly or indirectly by your participation in the following winter sports Ski -racing, ski-jumping, snowboarding without a leash, off-piste skiing unless accompanied by a qualified guide or instructor, heliskiing, ice hockey, bobsleighing, the use of skeletons, toboggans or luges, freestyle-skiing or competitive skiing.

Section 21 Piste Closure
We will pay you up to £300 (£20 per day) for extra costs for transport and ski lift pass if you have to travel to another resort if you are unable to ski due to adverse weather conditions at your pre -booked resort (only available for trips between 15 December and 31 March).
If it is not possible to travel to another resort or it is not possible to ski, we will pay up to £300 (£20 per day) you are unable to ski.
As well as the general conditions and exclusions in part E, the following conditions and exclusions apply to Section 21.
Piste Closure Exclusions
1. We will not pay for:
a) Any expenses you can claim under any other insurance.
b) Any claim if you booked your trip within 14 days of departure unless you bought this policy at the same time.
Condition applying to Piste Closure claims
1. You must obtain written confirmation from an appropriate authority to confirm that the piste was closed and/or it was not possible to travel to another resort.

Section 21 Piste Closure
We will pay you up to £300 (£20 per day) for extra costs for transport and ski lift pass if you have to travel to another resort if you are unable to ski due to adverse weather conditions at your pre -booked resort (only available for trips between 15 December and 31 March).
If it is not possible to travel to another resort or it is not possible to ski, we will pay up to £300 (£20 per day) you are unable to ski.
As well as the general conditions and exclusions in part E, the following conditions and exclusions apply to Section 21.
Piste Closure Exclusions
1. We will not pay for:
a) Any expenses you can claim under any other insurance.
b) Any claim if you booked your trip within 14 days of departure unless you bought this policy at the same time.
Condition applying to Piste Closure claims
1. You must obtain written confirmation from an appropriate authority to confirm that the piste was closed and/or it was not possible to travel to another resort.

Section 21 Piste Closure
We will pay you up to £300 (£20 per day) for extra costs for transport and ski lift pass if you have to travel to another resort if you are unable to ski due to adverse weather conditions at your pre -booked resort (only available for trips between 15 December and 31 March).
If it is not possible to travel to another resort or it is not possible to ski, we will pay up to £300 (£20 per day) you are unable to ski.
As well as the general conditions and exclusions in part E, the following conditions and exclusions apply to Section 21.
Piste Closure Exclusions
1. We will not pay for:
a) Any expenses you can claim under any other insurance.
b) Any claim if you booked your trip within 14 days of departure unless you bought this policy at the same time.
Condition applying to Piste Closure claims
1. You must obtain written confirmation from an appropriate authority to confirm that the piste was closed and/or it was not possible to travel to another resort.

Section 22 Avalanche and Landslide
We will pay you up to £150 for extra travel and accommodation costs if an avalanche or landslide delays your arrival at or departure from the booked resort for more than 12 hours.
As well as the general conditions and exclusions in part E, the following conditions and exclusions apply to Section 22.
Avalanche and Landslide Exclusions
1. We will not pay for:
a) Any expenses you can claim under any other insurance;
b) any claim if you booked your trip within 14 days of departure unless you bought this policy at the same time.
Conditions applying to Avalanche and Landslide claims
1. You must obtain written confirmation from an appropriate authority to confirm the period of and reason for the delay.

Section 19 Ski Hire
We will pay you up to £300 (£20 per day) if your own equipment is temporarily lost in transit for longer than 12 hours on the outward journey or is lost, damaged or stolen during the trip.
As well as the general conditions and exclusions in part E, the following conditions and exclusions apply to Section 18 & 19.
Winter Sports Equipment and Ski Hire Exclusions
1. We will not pay for:
a) Loss or damage caused by general wear and tear.
b) Any amounts you can get from someone or somewhere else.
2. We will not pay your claim for Winter Sports Equipment if:
a) You fail to exercise reasonable care for the safety and supervision of your property.
b) You fail to obtain a written police report within 24 hours of the discovery in the event of loss or theft.
c) You fail to obtain a carrier's report or in the case of an airline a "Property Irregularity Report" where your property has been lost or damaged in transit.
N.B. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days
d) Your personal belongings are delayed, detained, or confiscated by customs or other officials.
3. The first £50 of each claim you make under Section 18 will not be paid. The maximum excess you and your family will pay in respect of any one event claimed for is £100.

Section 19 Ski Hire
We will pay you up to £300 (£20 per day) if your own equipment is temporarily lost in transit for longer than 12 hours on the outward journey or is lost, damaged or stolen during the trip.
As well as the general conditions and exclusions in part E, the following conditions and exclusions apply to Section 18 & 19.
Winter Sports Equipment and Ski Hire Exclusions
1. We will not pay for:
a) Loss or damage caused by general wear and tear.
b) Any amounts you can get from someone or somewhere else.
2. We will not pay your claim for Winter Sports Equipment if:
a) You fail to exercise reasonable care for the safety and supervision of your property.
b) You fail to obtain a written police report within 24 hours of the discovery in the event of loss or theft.
c) You fail to obtain a carrier's report or in the case of an airline a "Property Irregularity Report" where your property has been lost or damaged in transit.
N.B. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days
d) Your personal belongings are delayed, detained, or confiscated by customs or other officials.
3. The first £50 of each claim you make under Section 18 will not be paid. The maximum excess you and your family will pay in respect of any one event claimed for is £100.

Section 8 Personal Belongings
If you accidentally lose or damage your personal belongings or they are stolen, during the period of Insurance, you can claim up to £1,500 to replace or repair them (after any suitable deduction for wear and tear and depreciation if applicable).
You can claim up to £300 for any one item, pair or set. The overall limit for valuables is £300.
If your personal belongings are temporarily lost for more than 12 hours on the outward journey we will pay you up to £250 for the purchase of essential items. If your baggage is permanently lost we will deduct any payment made for temporary loss from the final settlement. All receipts must be produced as proof of purchase.
You will need to report your loss and obtain proof - as well as the exclusions below, please read the policy conditions and exclusions on pages 30 to 32.
Personal Belongings Exclusions
1. We will not pay for:
a) More than £300 per person in total for valuables.
b) More than £300 per person for any one article, pair or set of articles.
c) More than £250 in total for cigarettes, tobacco and/or alcohol purchased by you during the period of insurance and for your own personal consumption.
d) Breakage of or damage to fragile articles, (except lenses in cameras, binoculars, telescopes, or spectacles) prosthetics or dentures and any other loss caused by the breakage.
e) Loss, theft of or damage to valuables which you have left in baggage checked in by a carrier.
f) Loss or theft of valuables left at anytime in an unattended vehicle.
g) Loss or theft of or damage to valuables you are not carrying with you unless you have kept them in a locked accommodation, a safe or a safety deposit box.
h) Loss or theft of or damage to personal belongings if they have been left unattended in a vehicle, unless they are locked out of sight in the boot of the vehicle or the luggage compartment of an estate or hatchback and there is evidence of violent and forcible entry.
i) There is no cover for personal belongings left in a vehicle overnight.
j) Films, cassettes, cartridges or disks other than for their value as unused material unless purchased pre-recorded when we will pay up to the retail list price.
k) Perishable goods, bottles, cartons or any other loss caused by their breakage.
l) Pedal cycles, wheelchairs, prams, pushchairs or baby buggies other than while they are being conveyed by public transport.
m) Contact or corneal lenses.
n) Winter sports equipment.
o) Your personal belongings being delayed, detained or confiscated by customs or other officials.
p) Your personal belongings being lost or damaged as a result of wear and tear, depreciation in value, atmospheric conditions, mechanical failure or damage caused by moth or vermin or any process of cleaning, repairing or restoring.
q) Breakage of or damage to sports equipment whilst in use.
r) Claims arising where You fail to exercise reasonable care for the safety and supervision of your property.
s) Claims where You fail to obtain a written police report within 24 hours of the discovery in the event of loss or theft.
t) Claims where you fail to obtain a carrier' s report or in the case of an airline a "Property Irregularity Report" where your property has been lost or damaged in transit.
N.B. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days.
2. We will not pay the first £50 for any loss, charge or expense incurred in respect of each claim under this Section.The maximum excess you and your family will pay in respect of any one event claimed for is £100.

Section 1 Cancellation and Curtailment
1. We will pay you up to £5,000 for unused travel and accommodation charges (including unused kennel and cattery expenses up to £250) which are not recoverable elsewhere and which you have paid or contracted to pay should you have to cancel your trip before you leave your home or place of business as a result of the following commencing during the period of insurance.
a) Your death, injury or illness or that of your travelling companion, the person you are going to stay with, a close relative or colleague.
b) You or your travelling companion being required by the police to stay at home as a result of burglary, or damage by serious fire, explosion, subsidence, storm flooding, vandalism, fallen tree or impact by aircraft or vehicle to your or their home or usual place of business in the United Kingdom.
c) You or your travelling companion being required for jury service or as a witness in a court of law in the United Kingdom.
d) You being made involuntarily redundant if you are under 65 and have 2 years' continuous employment with the same employer.
e) You or your travelling companion having agreed leave subsequently cancelled by the emergency services or armed forces, for operational reasons.This cover does not apply to cancellation of leave due to war, invasion, acts of terrorism, hostilities (whether war be declared or not), civil unrest, revolution, rebellion, act of foreign enemy or any similar event.
2. We will pay you up to £5,000 if you cut short your trip as a result of:
a) Your death, injury or illness or that of your travelling companion, the person you are going to stay with, a close relative or colleague.
b) You or your travelling companion being required by the police to stay at home as a result of burglary, or damage by serious fire, explosion, subsidence, storm flooding, vandalism, fallen tree or impact by aircraft or vehicle to your or their home or usual place of business in the United Kingdom.
c) You becoming injured or ill and being admitted to hospital for the rest of your journey.
As well as the general conditions and exclusions in part E the following conditions and exclusions apply.
Cancellation and Curtailment Exclusions
1. You are not covered for claims caused directly or indirectly from the following:
a) Any circumstances you were aware of at the time this insurance was bought, or at the time of booking your trip, if later, which you knew might lead to your trip being cancelled or cut short , unless we agreed in writing, before the trip, to cover it.
b) Booking and/or travelling against the advice of a doctor.
c) Your disinclination to travel.
d) You not having the correct passport, visa or other entry documents.
e) Your decision not to go or continue with the trip for reasons other than those listed above.
f) Your suicide, attempted suicide, intentional self-injury or deliberate exposure to danger (unless in an attempt to save someone's life).
g) You being under the influence of alcohol, solvents or drugs (except drugs prescribed by a doctor other than for the treatment of drug abuse).
h) Pregnancy or childbirth, where the due date is less than eight weeks after the intended date of returning home. (This will not apply to claims for loss of deposit where the pregnancy occurs during the period of insurance.)
2. We will not pay any claim resulting directly or indirectly from you participating in any hazardous activity.
3. If you do not tell the travel agent, tour operator or organisations providing transport and accommodation as soon as you need to cancel your trip, the amount we pay will be limited to the cancellation charges that would have applied at that time.
4. We will not pay the first £50 (reduced to £10 for loss of deposit only claims) for any loss, charge or expense incurred in respect of each claim under this Section. The maximum excess you and your family will pay in respect of any one event claimed for is £100.
Conditions applying to curtailment
1. If you have to return home early Assistance International must be called immediately or as soon as reasonably possible to authorise any expenses. If you do not do this we may not pay your claim.
2. You must not arrange in-flight medical care for your return journey without the permission of Assistance International. Our medical advisers will consult with the doctors treating you to decide on reasonable grounds if this is necessary and will make the most appropriate arrangements for you.
3. We may instruct you to return home if our medical advisers and the doctors treating you decide on reasonable grounds that you are fit to travel. If you refuse to be repatriated all cover under the policy will cease.

Section 3 Missed Departure
What is covered
If one of the following takes place during the period of insurance you will be covered up to £1,000 for the cost of reasonable extra accommodation and travel expenses to allow you to carry on with your trip.
1. Labour dispute, civil disturbance, mechanical breakdown or bad weather which interrupts scheduled public transport services including booked connecting flights;
2. An accident or breakdown involving the vehicle in which you are travelling in and which causes you to arrive at the airport, port or station you are leaving from on your outward or return journey too late to start the journey you have booked.
As well as the general conditions and exclusions in part E , the following conditions apply.
Conditions
1. You must do all that you can to arrive at the airport, port or station you are leaving from on time.
2. In the case of a labour dispute, you will only be covered if the dispute is announced and begins during the period of insurance.
3. If you miss the departure because your vehicle breaks down or you are involved in an accident, you must send us a repairer' s report or police accident report.
4. If you miss the departure because a road traffic accident involving another vehicle, you must send us confirmation from the police or motoring authorities (e.g. Highways Agency, RAC, AA etc) to confirm the delay.

Section 2 Delayed Departure
If the transport on which you are booked as a passenger for your outward or return journey is delayed or cancelled due to:
- A serious fire, storm or flood damage to the departure point
- Industrial action
- Bad weather
- Mechanical breakdown of the international train or sea vessel or
- The grounding of the aircraft due to a mechanical or a structural defect.
we will pay you one of the following:
Either
1. Compensation of £20 for the first full 8 hours you are delayed and £20 for each completed 12 hours thereafter up to a maximum £300. Delay benefit will be based on the difference between the actual time of departure and the scheduled departure time.
or
2. Abandonment Up to £5,000 (plus up to £250 unused kennel or cattery fees) in total for your part of the costs or the journey which have been paid or where there is a contract to pay before the start of the journey which you cannot recover from anywhere else, if, after you have been delayed for more than 12 hours, you decide to abandon the journey before you leave the United Kingdom.
As well as the general conditions and exclusions in part E the following conditions and exclusions apply.
Delayed Departure Exclusions
1. You are not covered for claims caused directly or indirectly from the following:
a) Claims caused by strike, industrial action or any other reason which was public knowledge when this policy was bought or your trip was booked.
b) Delay as a result of your failure to check in at your departure point on time.
c) Any amounts you can recover from someone or somebody else.
2. We will not pay the first £50 of any claim under Abandonment. No excess is payable in respect of claims for delay compensation only.The maximum excess you and your family will pay in respect of any one event claimed for is £100.
Conditions applying to Delayed Departure claims
1. You must ask the airline or transport company to confirm in writing:
a) the cause of delay or cancellation
b) the period of the delay
c) the scheduled time of departure and arrival, and
d) the actual time of departure and arrival

Section 2 Delayed Departure
If the transport on which you are booked as a passenger for your outward or return journey is delayed or cancelled due to:
- A serious fire, storm or flood damage to the departure point
- Industrial action
- Bad weather
- Mechanical breakdown of the international train or sea vessel or
- The grounding of the aircraft due to a mechanical or a structural defect.
we will pay you one of the following:
Either
1. Compensation of £20 for the first full 8 hours you are delayed and £20 for each completed 12 hours thereafter up to a maximum £300. Delay benefit will be based on the difference between the actual time of departure and the scheduled departure time.
or
2. Abandonment Up to £5,000 (plus up to £250 unused kennel or cattery fees) in total for your part of the costs or the journey which have been paid or where there is a contract to pay before the start of the journey which you cannot recover from anywhere else, if, after you have been delayed for more than 12 hours, you decide to abandon the journey before you leave the United Kingdom.
As well as the general conditions and exclusions in part E the following conditions and exclusions apply.
Delayed Departure Exclusions
1. You are not covered for claims caused directly or indirectly from the following:
a) Claims caused by strike, industrial action or any other reason which was public knowledge when this policy was bought or your trip was booked.
b) Delay as a result of your failure to check in at your departure point on time.
c) Any amounts you can recover from someone or somebody else.
2. We will not pay the first £50 of any claim under Abandonment. No excess is payable in respect of claims for delay compensation only.The maximum excess you and your family will pay in respect of any one event claimed for is £100.
Conditions applying to Delayed Departure claims
1. You must ask the airline or transport company to confirm in writing:
a) the cause of delay or cancellation
b) the period of the delay
c) the scheduled time of departure and arrival, and
d) the actual time of departure and arrival

Section 11 Personal Liability
(If you are using a motorised or mechanical vehicle, while on your journey you must make sure that you have the necessary insurance. We do not cover this under personal liability.)
We will pay up to £2,000,000 in respect of any one occurrence and in total for accidental bodily injury to another person or accidental damage to someone else' s property occurring during the period of insurance which you legally have to pay. This cover is only for accidental injury or damage to the property of people other than your employee, close relative or travelling companion(s) or property which is not owned by you or being looked after by you or a close relative or travelling companion
(s), other than in respect of your commercial holiday let.
We will also pay for your legal expenses and any claimant' s costs payable but we must first give our written consent to this.
As well as the general conditions and exclusions in part E, the following conditions and exclusions apply to Section 11,
Personal Liability Exclusions
1. We will not pay for:
a) Liability caused directly or indirectly by you owning, or the use of, animals (except domestic animals), firearms (except licensed sporting guns used for recreational purposes only), any aircraft, motorised vehicle, boat or any other form of motorised leisure equipment (unless it is a boat designed for and being used as accommodation and is permanently moored).
b) Employer's liability or liability caused by carrying out contracts, supplying goods and services, or you doing your job.
Conditions applying to Personal Liability
1. You must send us any writ, summons (court claim form) or other legal documents as soon as you receive them. You must also give us any information and help we need to deal with the case and your claim. You must not negotiate, pay, settle, admit or deny any claim without our written agreement.

Section 15 Catastrophe Cover
We will pay you up to £500 for extra accommodation and transport costs you need to pay to move to other accommodation of a similar standard to that you originally booked, if, as a result of fire, flood, earthquake, avalanche or storm during your journey, you cannot use your accommodation.
As well as the general conditions and exclusions in part E, the following exclusions apply to Section 15.
Catastrophe Exclusions
1. We will not pay you for:
a) Compensation unless you get a letter from the company providing accommodation, police or your tour operator' s representative confirming that you could not use your accommodation.
b) Compensation which you can get from the company providing accommodation, your tour operator or anywhere else.
c) Any expense which you would normally have expected to pay during your journey.

You must comply with the policy conditions as failure to do so may result in you not being fully covered and a claim not being paid. These conditions apply to the whole policy.
1. Material facts You must tell us any facts we ask for in the declaration and which could affect this insurance. If you do not, you may not be fully covered. In particular, you must give us any information which may influence our decision to provide or continue your cover or the way we work out your premium (for example, your health or the health of a close relative).
2. Proof you must provide.
If you cancel the trip Please give the reason for cancelling the trip and send us your booking invoice or receipt and your cancellation invoice. We will need written proof of the reason for cancellation. If cancellation is due to illness or injury, the medical certificate on the cancellation claim form will need to be filled in by the doctor of the person who was ill or injured.
Curtailment / Cutting the trip short
Please give the reason you cut your trip short, confirming that you had to come home early. Before you return home early for medical reasons, you must get a doctor' s certificate to confirm that this is necessary and that you are fit to travel. You must then send this with your claim form.
Medical emergency and associated expenses
Please send details of the illness or injury and original receipts and bills for any expenses you have paid.
Personal accident
Please send full details of the accident and injury.
Personal belongings, temporary loss and winter sports equipment
Please send full details of the belongings which have been lost, stolen or damaged. You should also send receipts to prove their values or bills for the cost of repairs. For loss or theft claims, you must also send a police report. If your belongings were lost, stolen or damaged while in the care of an airline, you must send a 'property irregularity report' as well as the flight tickets and luggage receipts the airline gave you when you checked in. For temporary loss claims, please send receipts for the
replacement items you have bought and a ' property irregularity report'.
Money and documents
Please send full details together with a police report and cash withdrawal slips or similar proof of the money you withdrew.
Loss of passport
Please send a police report and any bills or receipts for travel and accommodation expenses.
Personal liability
You must send us any writ, summons or other legal documents as soon as you receive them. You must also give us any information and help we need to deal with the case and your claim. You must not negotiate, pay, settle, admit or deny any claim without our written permission.
Missed departure
Please send confirmation of the delay from the carrier or tour operator. You must also send receipts or bills for your expenses.
For car breakdown or accident claims, send the repairer's report or police accident report and details of how you got to the port or airport.
Legal expenses
Please send full details on your claims form.
Delay
When you claim you must ask the airline or transport company to confirm in writing:
a. the cause of the delay or cancellation;
b. the period of the delay;
c. the scheduled time of departure and arrival; and
d. the actual time of departure and arrival.
Mugging
Please send a police report and a certificate from the doctor confirming the injuries you received and the period you were in hospital receiving in-patient treatment.
Ski hire
Please send receipts for the cost of the snowboard or ski hire and full details of what was lost, damaged or stolen.
Ski pack (lessons, hire, lift pass)
Give the reason for cutting short the use of your ski pack and a medical certificate confirming that this was necessary.
Piste closure
Please ask the relevant authority to confirm in writing that the piste was closed. You must also send your receipts for transport to the other resort and the cost of the lift pass.
Avalanche closure
You must get written confirmation from the appropriate authority that getting to or from your resort was not possible for the period claimed, due to avalanche, landslide or landslip.
3. Excesses
If we agree to a claim for medical expenses which has been reduced by your using an E111 form or private health insurance, you will not have to pay the excess. The maximum excess you and your family will pay in respect of any one event claimed for is £100.
4. You must do all that you can to keep your claims as low as possible and to prevent theft, loss and damage.
5. If we pay any expenses which you are not covered for, you must pay these back within a month of the end of the period of insurance.
6. If you, or anyone acting for you, deliberately make a false claim or statement, the insurance will end and we will not pay any claims. We have the right to inform the police about any false claim.
7. We may take action in your name to get compensation or security for loss, damage or expenses covered by this insurance.
You will not pay anything towards this action, but any amount or security handed over will belong to us.
8. If we have to pay any amounts under the law of another country and we would not usually have to pay these amounts under the policy, you must repay the amounts to us.
9. All the sums insured and limits set out in this policy include VAT.
10. All claims under the insurance will be governed by English law. Any legal disputes will be heard in an English court.
11. The premium for this insurance includes insurance premium tax where necessary.
12. If we pay a claim because your trip is cancelled, we will not pay a claim under any other section of the policy for the same trip.
13. The parties do not intend any term of this agreement to be enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999.
14. Unless agreed otherwise, the contractual terms and conditions and other information relating to this contract will be in the English language.

Reciprocal Health Agreement
If you are travelling to a European Union country you should apply for a European Health Insurance Card (EHIC), available from your local Post Office® branch or by visiting www.dh.gov.uk/travellers to apply online. The EHIC allows you to receive free or reduced cost emergency medical care in most European countries from the equivalent of the National Health Service in the country you are visiting. If you make use of these arrangements or any other worldwide reciprocal health arrangement and your claim under the Medical Emergency and Associated Expenses Section is reduced, you will not have to pay any excess under this Section.