1
TABLE OF CONTENTS
PAGE NUMBER
Important Contact Details
2
Summary of Cover Pounds Sterling
3
Summary of Cover Euro’s
4
Important Information
5
Who is covered
5
What is covered
5
Limits of cover and excesses
5
When cover starts and ends
5
Cancellation rights
6
Work abroad
6
Renewal of your insurance
6
Disclosing relevant facts
6
Medical conditions
6
Health Warranty
6
Change in health
6
Definitions
7
Section 1
Cancellation
8
Section 2
Curtailment
9
Section 3
Emergency Medical Expenses
9
Emergency Dental Treatment Limit
Funeral Expenses Abroad Limit
UK Expenses Limit
Search and Rescue
Section 4
Additional Hospital Benefit
10
Section 5
Personal Accident
10
Section 6
Baggage & Personal Belongings
11
Total Valuables Limit
Single Item Limit
Delayed baggage (after 24hrs)
Section 7
Cash & Documents
11
Cash Limit
Section 8
Loss of Passport/Driving Licence
12
Section 9
Travel Delay
12
Trip Abandonment (after 24hrs)
Pet Cover
Section 10
Missed Departure/Connection
12
Section 11
Personal Liability
13
Section 12
Legal Expenses
13
Section 13
Replacement Business Associate
14
Section 14
Winter Sports Cover
14
Ski Equipment
Equipment Hire
Ski Pack
Piste Closure
Section 15
Sports and Activities
15
Section 16
Golf Cover
17
General Conditions
17
General Exclusions
17
Comments & Complaints Procedure
18
Claims Procedures
19
Data Protection
20
Governing Law
20
Details about our Regulator
20
Financial Services Compensation Scheme
21
