1. If
you
choose to travel to a specific area against the
advice issued by the Foreign & Commonwealth
Office: Telephone : 0845 850 2829
Website :
2. a set of circumstances which
you
knew about at the
time the trip was booked unless
you
could not
reasonably have expected such circumstances to
result in a claim;
3. If an Annual Multi Trip policy,
you
being 85 (six
month multi trip Gold cover) and 75 (Annual Multi trip
Gold and Silver cover) at the date of the policy. If a
single trip policy,
you
being 75 on the date of
purchase.
4. any criminal act by
you
;
5. failure to comply with the laws applicable to the
country in which
you
are travelling;
6. bankruptcy/liquidation of a tour operator, travel agent
or transportation company.
7. any other costs that are caused by the event which
led to a claim, unless specifically stated in the policy.
8. any payment, which
you
would normally have made
during
your
travels, if no claim had arisen;.
9. any trip that is undertaken for the purpose of
a) obtaining medical treatment (whatever the nature
of this treatment);
b) against the advice of a medically qualified doctor.
c) after being given a terminal prognosis.
10. 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).
11. stress, anxiety, depression, or any emotional or
psychiatric disorder or condition.
12. any claim arising from sexually transmitted diseases.
13. any injury, illness, death, loss, expenses or other
liability attributable to HIV (Human Immunodeficiency
Virus) and/or any HIV related illness and/or any
mutant derivatives or variations thereof however
caused.
14. the cost of any routine or elective (non-emergency)
treatment or surgery, including specialist review or
referral, exploratory tests which are not directly
related to the illness or injury which necessitated
your
admittance to hospital.
15. any epidemic or pandemic
16. loss or damage to any property and expense or legal
liability, directly or indirectly caused by or contributed
to or arising from:
a) Ionising radiation or radioactive contamination
from any nuclear fuel or nuclear waste, which
results in burning of nuclear fuel.
b) The radioactive toxic explosive or other dangerous
properties of nuclear machinery or any part of it.
c) Pressure waves from aircraft and other flying
objects travelling faster than the speed of sound.
17. any consequence whether direct or indirect of war,
invasion, act of foreign enemy, hostilities (whether
18
war be declared or not), discharge, explosion or use
of a weapon of mass destruction whether or not
employing nuclear fission or fusion, or chemical,
biological, radioactive or similar agents, by any party
at any time for any reason, terrorist activity (although
terrorist activity does not apply to claims made under
Section 3 Emergency Medical Expenses and Section
5 Personal Accident, providing the disturbances were
not taking place at the start of the insured trip), civil
war, rebellion, revolution, insurrection, blockade,
military or usurped power.
18. air travel (other than as a fare-paying passenger on a
regular scheduled airline or licensed charter aircraft).
19. planned
hazardous activities
unless
you
have paid
the appropriate additional premium and
we
have
issued
you
with an endorsement;
20. travelling on motorbikes over 125cc, motorbike
touring or where a motorbike is the main mode of
transport.
21.
your
manual work or hazardous occupation of any
kind.
22. professional or organised sports, racing, speed or
endurance tests, dangerous pursuits.
23. mountaineering, ordinarily necessitating the use of
picks, ropes or other specialist equipment, pot holing
or caving.
24. taking part in dangerous expeditions or the crewing
of a vessel outside coastal waters.
25. any off-piste skiing except when
you
are skiing
within the ski area boundaries of a recognised ski
resort and following ski patrol guidelines.
COMMENTS & COMPLAINTS PROCEDURES
We
aim to provide a first class level of service at all
times. If, for any reason,
you
feel that
our
service is not
of the standard
you
would expect, please tell
us
.
You
should address any enquiries or complaints, in writing
to:-
Millstream Underwriting Limited
PO Box 18381, London, EC3M 7AY
(quoting the policy number on
your
schedule)
If
you
are still dissatisfied, at this stage
you
may contact:
The Financial Ombudsman Service
South Quay Plaza, 183 Marsh Wall, London, E14 9SR
Please note that the Financial Ombudsman Service will
not consider
your
complaint until
you
have received a
final decision from Millstream Underwriting Limited.
