motorway. In the event of a claim due to vehicle
breakdown or a road accident,
you
must obtain a
police or roadside assistance report.
c) adverse weather conditions making it impossible
to travel to the outbound departure point in
your
Country of Residence
;
If
you
live outside the
United Kingdom
,
we
will cover up
to the limit as shown on the Summary of Cover for
missing
your
onward connection from the
United
Kingdom
as a result of a) b) or c)
Not covered
1. the policy excess shown on the Summary of Cover of
any incident. This applies to each person making a
claim;
2. if sufficient time has not been allowed for
your
journey in order to meet the check-in time specified
by the transport providers or agent
3. if
you
are not proceeding directly to the departure
point;
4. any costs claimed under Travel Delay and
Abandonment section;
5. anything mentioned in the General Exclusions.
SECTION 11 PERSONAL LIABILITY
Covered
You
are covered up to the limit as shown on the
Summary of Cover, for legal expenses and legal liability
for damages incurred by
you
which are caused by an
accident that happened during the trip, and leads to
claims made against
you
as a result of:
1. accidental bodily injury to a person who is not a
member of
your
family or household or employed by
you
;
2. loss of or damage to any property which does not
belong to
you
, is not in the charge of, and is not in
the control of
you
or any member of
your
family,
household or employee;
3. loss of or damage to temporary holiday
accommodation that does not belong to
you
, or any
member of
your
family, household or employee.
Not covered
1. the policy excess shown on the Summary of Cover of
any incident. This applies to each person making a
claim;
2. fines imposed by a Court of Law or other relevant
bodies;
3. anything caused directly or indirectly by:
a) liability which
you
incur as a result of an
agreement that
you
made which would not apply
in the absence of that agreement;
b) injury, loss or damage arising from:
i) ownership or use of aircraft, horse-drawn or
mechanical/motorised vehicles, vessels (other
than rowing boats, punts or canoes), animals
(other than horses) or firearms or any weapons
ii) the occupation (except temporarily for the
purpose of the trip) or ownership of any land or
buildings
iii) the carrying out of any trade or profession
iv) racing of any kind
v) any deliberate act
c) liability covered under any other insurance.
4. anything mentioned in the General Exclusions.
SECTION 12 LEGAL EXPENSES
Covered
You
are covered if
you
die, are ill or injured during
your
trip and
you
or
your
personal representative take
legal
action
to claim damages or compensation for negligence
against a third party
we
will do the following:
Nominate an
appointed adviser
to act for
you
. If
you
and
we
cannot agree on an
appointed adviser
, the
matter can be referred to an Alternative Resolution
Facility.
For each event giving rise to a claim,
we
will pay up to
the limits shown on the Summary of Cover for
legal
costs
and
legal action
for
you
(but no more than the
limits shown on the Summary of Cover in total for all
persons insured on the policy).
Conditions
1.
you
must conduct
your
claim in the way requested
by the
appointed adviser
;
2.
you
must keep
us
and the
appointed adviser
fully
aware of all the facts and correspondence including
any claim settlement offers made to
you
;
3.
we
will not be bound by any promises or
undertakings which
you
give to the
appointed
adviser
, or which
you
give to any person about
payment of fees or expenses, without
our
consent;
4.
we
can withdraw cover after
we
have agreed to the
claim, if
we
think a reasonable settlement is unlikely
or that the cost of
legal action
could be more than
settlement.
Not Covered
1. Any claim:
a) reported to
us
more than 60 days after the event
giving rise to the claim;
b) where
we
think a reasonable settlement is unlikely
or where the cost of
legal action
could be more
than the settlement;
c) involving
legal action
between members of the
same household, an
immediate relative
, a
travelling companion or one of
your
employees;
d) where another insurer or service provider has
refused
your
claim or where there is a shortfall in
the cover they provide;
e) against a travel agent, tour operator or carrier,
us
,
the
insurer
, another person insured by this policy
or
our
agent.
2.
Legal costs
:
a) for
legal action
that
we
have not agreed to;
b) if
you
refuse reasonable settlement of
your
claim.
You
should use Alternative Resolution Facilities
such as mediation in this situation;
NOTE: If
you
are using a mechanical/motorised vehicle,
make sure that
you
are adequately insured for third
party liability, as
you
are not covered under this
insurance.
NOTE:
We
are entitled to take over any rights in the
defence or settlement of any claim and to take
proceedings in
your
name for
our
benefit against any
other party.
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