Public Transport
Any fare paying passenger on the following regular
scheduled forms of transport: train, coach, bus, aircraft
and sea vessel.
Redundancy
Any person being declared redundant, who is under 65
years and under the normal retiring age for someone
holding that person’s position, and who has been
employed for 2 continuous years with the same employer
at the time of being made redundant.
Return Journey
The return flight/sea crossing/ coach/train departure from
your
final accommodation to commence the return
journey to
your Country of Residence
, which may
include several connections and up to two overnight
stays until reaching the arrival point in
your Country of
Residence
.
Scuba Diving
Conventional
scuba diving
only.
We
do not cover any
unaccompanied dive, any dive in over head
environments, any dive for gain or reward, or any dive
below 50 metres (on single trip polices an additional
premium is to be paid if diving below 30 metres, see
sports and activities section 15).
You
must hold a British
Sub Aqua Club certificate or Professional Association of
Diving Instructors certificate or equivalent and follow the
relevant Club or Association rules and guidelines at all
times, or
you
must only dive under the constant
supervision of a properly licensed diving school and
follow their rules and instructions at all times.
Single Parent Family
You
and
your
financially dependent children under 18
years old and in full time education, at the inception date
of
your
policy, all normally resident with
you
and named
in the Certificate of Insurance.
The Caribbean
Antigua and Barbuda, Anguilla, Aruba, The Bahamas,
Barbados, British Virgin Islands, Cayman Islands, Cuba,
Dominica, Dominican Republic, Grenada, Guadeloupe,
Haiti, Jamaica, Martinique, Montserrat, Navassa Island,
Netherland Antilles, Puerto Rico, Saint Kitts and Nevis,
Saint Lucia, Saint Vincent and the Grenadines, Trinidad
and Tobago, Turks and Caicos Islands, Virgin Islands
Unattended
When
you
are not in full view of and not in a position to
prevent unauthorised interference with
your
property.
United Kingdom
England, Scotland, Wales and Northern Ireland.
Valuables
Watches, furs, jewellery, photographic equipment,
binoculars, telescopes, spectacles, sunglasses,
computers and or accessories (including laptops, games
& gaming consoles), video equipment, camcorders and
audio equipment including personal stereos, DVD, mini-
disc players, i-pods and MP3 players, CDs, DVDs, tapes,
films, cassettes, cartridges, headphones and televisions.
We / us / our
Millstream Underwriting Ltd on behalf of AGA
International SA Limited is the appointed administrator in
the
United Kingdom
.
Winter Sports Equipment
Skis, bindings, ski boots, ski poles, snowboards and
specialised clothing.
Winter Sports
Conventional skiing / snowboarding only.
We
do not
cover any competition, free-style skiing, ski jumping, ice
hockey, use of bobsleighs or skeletons, repetitive travel
8
in ski run helicopters. Off-piste skiing is covered when
you
are skiing within the ski area boundaries of a
recognised ski resort and following ski patrol guide lines.
Work abroad
For the purposes of this policy clerical business activities
of the insured only. Non-manual or light general work not
involving the use of mechanical or industrial machinery at
a height not exceeding 2 metres.
Worldwide (excluding USA, Canada & The Caribbean)
Worldwide excluding United States of America, Canada
and
The Caribbean
.
Worldwide (including USA, Canada & The Caribbean)
Worldwide
You
/
your
Each insured person as shown on
your
Certificate of
Insurance.
SECTION 1 CANCELLATION
Covered
You
are covered up to the limit as shown on the
Summary of Cover for loss of travel and accommodation
expenses, which were cancelled before
you
were due to
leave
your home
for which
you
have paid or are
contracted to pay, providing the cancellation is necessary
and unavoidable (and is not as a result of mere
disinclination to begin
your
trip as arranged) due to any
cause listed below occurring during the period of
insurance:
1. injury, serious illness, death of
you
, any person with
whom
you
are intending to travel or stay, or of an
immediate relative
or
close business associate
of
your
s;
2.
you
being called for jury service, attending court as a
witness (but not as an
expert witness
), or
redundancy
(for
you
or for any person with whom
you
had arranged to travel);
3.
your home
or place of business being made
uninhabitable, within 14 days of travel, or the police
asking to see
you
after theft from
your home
which
occurred within 14 days of travel;
Not covered
1. the policy excess shown on the Summary of Cover
(£40/
!
50 in respect of loss of deposit only claims) of
any incident. This applies to each person making a
claim;
2. medically related claims where a certificate has not
been obtained from a
medical practitioner
,
confirming that cancellation of the trip is medically
necessary;
3. additional costs as a result of not immediately telling
the travel agent, tour operator or provider of transport
or accommodation that
you
need to cancel the trip.
We
will only pay the cancellation charges that would
have applied at the time
you
knew it was necessary
to cancel
your
trip, if a valid claim exists;
4. any costs recoverable from another source;
5. anything caused directly or indirectly by prohibitive
regulations by the Government of any country;
6. if the Health Warranty has not been complied with
and
you
do not have an appropriate endorsement
from the Medical Screening Service (see Health
Warranty);
7. any costs incurred on behalf of other party members
who are not specified on the insurance schedule;
8. anything mentioned in the General Exclusions.
