c) if
you
withdraw from a claim without
our
agreement. If this occurs
legal costs
that
we
have paid must be repaid to
us
and all
legal costs
will be become
your
responsibility;
d) that cannot be recovered by
us
,
you
or
your
appointed adviser
, when
you
receive
compensation. Any repayment will not be more
than half of the compensation
you
receive;
e) awarded as a personal penalty against
you
or the
appointed adviser
(for example not complying
with Court rules and protocols);
f) for bringing
legal action
in more than one country
for the same event
g) the funding of any appeal costs or actions to
enforce a judgement or legally binding decision;
h) anything mentioned in the General Exclusions.
SECTION 13 REPLACEMENT BUSINESS
ASSOCIATE
Covered
We
will pay up to the amount shown in
your
Summary
of Cover in total for the cost of extra
transport/accommodation to send a replacement
close
business associate
to complete
your
business itinerary
if
you
have to curtail
your
journey outside
your country
of residence
because of one of the following:
• The death, serious injury or serious illness of
you
or
an
immediate relative
•
You
being called for jury service, attending court as a
witness (but not as an
expert witness
) in
your
country of residence
.
•
You
are needed by the police following a burglary, or
damage caused by serious fire, storm flood,
explosion, subsidence vandalism, fallen trees, impact
by aircraft or vehicle at
your home
.
•
You
are injured or ill and are in hospital for the rest of
the journey.
Not Covered
1. The policy excess shown on the Summary of Cover
2. Any medical conditions not covered under the Health
Warranty
Anything caused by:
• anything the company providing
your
transport or
accommodation, their agents, any person acting for
you
or
your
conference organiser is responsible for;
•
you
not wanting to travel or not enjoying
your
journey
• riot, civil unrest, strike or lock-out;
• air travel ( other than as a fare-paying passenger on a
regular scheduled airline or licensed charter aircraft).
• Suicide, deliberate self- injury being under the
influence of drink or drugs (unless prescribed by a
medical practitioner
) alcoholism, drug addiction,
solvent abuse, wilful exposure to exceptional risk
(unless
you
are trying to save someone’s life)
• The death of any pet or animal
Cutting short
your
journey unless
we
have agreed.
Any costs when
you
do not get a medical certificate
(from the medical practitioner who treated
you
in the
place where
you
were staying) which says it was
necessary for
you
to come home because of death ,
injury or illness.
Our
medical advisors must have agreed
with the reason and that
you
were fit to travel.
The cost of
your
original pre-booked tickets if
you
have
not used them and
we
have paid extra transport costs.
You
travelling on a motorbike unless it is under 125cc,
the rider holds an appropriate valid licence and all
persons insured are wearing helmets and the appropriate
safety gear.
Anything caused by
you
taking part in a hazardous
activity or winter sports unless shown on
your
Certificate
of Insurance.
Please refer to sections General Exclusions, Conditions
and Claims Procedure.
SECTION 14 WINTER SPORTS COVER
Covered
If
you
have paid the appropriate premium to include and
if shown on
your
policy (please refer to
your
schedule
and the Summary of Cover)
you
are also covered for:
A WINTER SPORTS MEDICAL
The medical section of this policy is extended to cover
you
whilst participating in
winter sports
.
B WINTER SPORTS LIABILITY
The personal liability section of this policy is extended to
cover
you
whilst participating in
winter sports
.
C SKI EQUIPMENT
You
are covered up to the amount shown on the
Summary of Cover for the value or repair of
your
own
winter sports equipment
(after making proper
allowance for wear and tear and depreciation) or hired
winter sports equipment
, if they are lost, stolen or
damaged during
your
trip, limited to the single item limit
for any one item. For
winter sports equipment
over 5
years old the maximum
we
will pay is £50/
!
60.
Conditions
In the event of a claim
you
must provide the following
documentation:
1. loss or theft: a report from police, resort management
or tour operator; plus original receipt or proof of
ownership and confirmation of second hand value
from a specialist dealer.
2. damage:confirmation from a specialist dealer of the
damage sustained and repair costs, or confirmation
that damage is beyond economic repair, plus the
second hand value prior to damage.
D EQUIPMENT HIRE
You
are covered up to the amount shown on the
Summary of Cover for the reasonable cost of hiring
winter sports equipment
for the rest of
your
trip or until
your
own or hired
winter sports equipment
has been
returned to
you
, if:
1.
your
equipment is lost, stolen or damaged; or
2.
your
equipment is delayed for more than 12 hours on
your
outward journey.
Conditions
In the event of a claim
you
must provide the following
14
