Travel Insurance

Policy Booklet
Inside youll find full details of your Travel Insurance

tescobank.com

Contents
Welcome to your Tesco Travel Insurance Policy Contract of Insurance Declaration Schedule of benefits Definitions Personal travel insurance geographical limits Who to contact if you need help following a Medical Emergency Assistance International Making a claim Dangerous activities Important information Personal travel insurance: Section 1a If your trip is cancelled Section 1b If your trip is cut short Section 2 Medical and other expenses Section 3 Hospital benefit Section 4 Personal accident Section 5 Personal belongings Section 6 Temporary loss of belongings Section 7 Money and documents Section 8 Loss of passport Section 9 Personal liability up to 2 million Section 10 Missed departure extra travel and accommodation expenses Section 11 Catastrophe cover Section 12 Mugging Section 13 Pet care Section 14 Legal expenses Section 15 Delay and holiday abandonment Section 16 Financial failure Section 17 Hijack Extra options: Winter Sports cover Golf equipment Wedding cover General conditions that apply to all sections Voicing your concerns Know before you go checklist Data Protection Notice

Page
2 3 4-5 6-8 9-11 12 12-13 14-16 17-18 18-20 21-44 21-22 23-24 24-26 26-27 27-28 29-30 30-31 31-32 32-33 33-34 34 35 35 36 36-39 40-41 41-44 44 45-53 45-48 49-51 52-53 54-56 57-58 59 60-62

Contents
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Welcome to your Tesco Travel Insurance Policy

Thank you for buying Tesco Travel insurance. Please read this policy when you buy it and before you leave on your trip. We have designed this insurance to cover a number of events which may happen during your trip, but we cannot cover all expenses and possibilities. There is a schedule of benefits on pages 6 to 8, and you will find full details of the cover and the conditions on pages 21 to 56. Please refer to your Policy Schedule which will indicate what level of cover you have taken. All words printed in bold in this document are defined. Please refer to the Definitions section on pages 9 to 11. All insurance policies contain restrictions and exclusions which you should be aware of. It is important that you read this policy carefully because we will use it to settle any claim. Please make sure that: the cover meets your needs you can make the declaration on pages 4 and 5 of this policy you can agree to condition 1 of General conditions that apply to all sections (see page 54). If you need help, please contact us.

Welcome to your Tesco Travel Insurance Policy 2

Contract of Insurance
1. Tesco Travel Insurance is provided by Ageas Insurance Limited. This policy is underwritten by Ageas Insurance Limited, except in relation to the legal expense cover detailed in section 14 which is underwritten by DAS Legal Expenses Insurance Company Limited and in relation to the Financial Failure cover detailed in section 16 which is provided and administered by International Passenger Protection Limited and underwritten by a consortium of insurers detailed in section 16. Claims are dealt with by Ageas Insurance Limited, except in relation to claims for Legal Expenses which are dealt with by DAS Legal Expenses Insurance Company Limited and in relation to financial failure which are dealt with by IPP. Tesco Personal Finance plc (trading as Tesco Bank) acts as an insurance intermediary introducing customers to Ageas Insurance Limited and is authorised and regulated by the Financial Services Authority (FSA). Ageas Insurance Limited and DAS Legal Expenses Insurance Company Limited are insurers, authorised and regulated by the FSA. International Passenger Protection Limited are authorised and regulated by the FSA. 2. English law will apply to this contract of insurance unless you and we agree otherwise and any disputes will be heard in an English court. 3. This Policy Booklet along with your Policy Schedule give you full details of the cover and the conditions you must satisfy to ensure you are fully covered. Please read this carefully, especially the Declaration on pages 4 and 5. Contact us on 0845 293 9475 if you need any further help and advice. 4. You must tell us any facts we ask for in the Declaration and which could affect this insurance. If you do not, you may not be fully covered and this may result in us refusing a claim, or only paying part of a claim or we may cancel your insurance policy. You must give us any information which may influence our decision to provide or continue your cover or the way we work out your premium (for example, your health or the health of any other person insured on the policy). If you are not sure whether we need to know a particular fact, please contact us. 5. Unless agreed otherwise, the contractual terms and conditions and other information relating to this contract will be in the English language.

Contract of Insurance
3

Declaration
The Tesco Travel Insurance Policy contains certain conditions and exclusions in relation to the health of the insured persons. It is essential that at the time of taking out this policy and when booking a trip under an annual multi-trip policy you are able to make the following declaration in relation to yourself and each insured person. We reserve the right to decline any claim or part of any claim directly or indirectly relating to a medical condition which was not disclosed and accepted by us at the time of taking out the policy or during the duration of the policy. If you agree to this declaration knowing that any part of it is untrue then we may cancel the policy or refuse to deal with any claim arising or to reduce the amount of any claim paid. If you have any doubts in relation to this declaration then you must contact us.

Medical Exclusions
If at the time of purchasing this policy, and when booking a trip under an annual multi-trip policy, anyone insured under this policy answers Yes to any of the following questions, this policy will not provide cover for any claim arising directly or indirectly from that condition. A. Is anyone waiting for an operation, post operative check up, any other hospital treatment or any medical investigations, tests or test results (for anything other than pregnancy)? B. Is anyone waiting for a consultation with a hospital doctor for any medical condition or set of symptoms, other than for regular check-ups for a stable condition? C. Does anyone have a condition for which a terminal prognosis has been given? D. Is anyone travelling against the advice of a doctor, or in order to obtain medical advice or treatment abroad?

Health Questions
If anyone insured under this policy answers Yes to any of the following questions when this insurance is purchased, or when booking a trip if later, this policy will not cover any claim arising directly or indirectly from that condition, unless we have agreed in writing to cover it. To see if we can provide cover for your existing conditions(s) you must phone us on 0845 293 9474. You may have to pay an extra premium to include cover for your medical conditions: 1. Has anyone been admitted to hospital overnight or treated as a day-patient in the last 12 months? 2. Has anyone ever been diagnosed with or received treatment for any heart/cardiac problem, stroke, TIA, or circulatory condition (including high blood pressure, unless stable and controlled by no more than one prescribed medication)? Declaration
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3. Does anyone have a breathing condition for which they take more than two prescribed medications, or which has ever required the use of supplementary oxygen or the use of a nebulizer? 4. Has anyone with a breathing or circulatory condition had their medication changed in the last 6 months? 5. Has anyone been diagnosed with or had any treatment in the last 5 years for any type of cancer, leukaemia or brain tumour? 6. Has anyone ever had an organ transplant, been on kidney dialysis, had diabetes, dementia or any other psychiatric or psychological illness?

Changes to your health (applies to Annual Multi-trip policies only)

If there is a change in the health of anyone insured under this policy (after you have taken out this insurance or booked a trip, but before you travel, or book a further trip), you must contact us immediately on 0845 293 9475. They will tell you if the change in your health will affect your insurance and if cover can continue for further trips you wish to book. If cover cannot continue, you may be entitled to claim for the cost of cancelling your prebooked travel arrangements. If there is a change in health, we may amend the terms of your policy, or cancel it providing you with a pro-rata refund of premium. For a close relative, business associate, or travel companion who is not insured but whose health may affect the trip If, at the time of taking out this insurance (or booking the trip if this was later) your close relative, business associate or travel companion had a medical condition for which he or she: was receiving treatment at hospital (other than where they go to hospital for check-ups for a stable condition, at regular intervals which have been arranged beforehand) was waiting for a hospital consultation, investigations or treatment (other than where they go to hospital for check-ups for a stable condition, at regular intervals which have been arranged beforehand) had been given a terminal prognosis, or been told that their condition is likely to get worse in the next 12 months; We will not pay for any claim you (or any insured person) make, that has anything to do with the medical condition of that relative, business associate or travel companion.

Declaration
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Schedule of benefits
This table indicates the limits of cover available under each section of the policy. It should be read in conjunction with your Policy Schedule which will confirm what level of cover you have taken along with details of any optional covers you have selected.
Section Number Section 1(a) Section 1(b) Section 2 Section 3 If your trip is cancelled If your trip is cut short Medical and other expenses Hospital Benefit VALUE Limit 1,000 1,000 2m 15 per day, max 600 Excess 75 75 75 Nil STANDARD Limit 4,000 4,000 5m 20 per day, max 800 Excess 50* 50* 50* Nil FINEST Limit 8,000 8,000 10m 50 per day, max 2,000 Excess 35* 35* 35* Nil

Section 4

Personal Accident (age 1865) Loss of limbs or sight Permanent Total Disablement Death Benefit Not available Not available Not available 1,000 200 200 75 75 75 25,000 25,000 15,000 1,500 300 300 Nil Nil Nil 50* 50* 50* 75,000 75,000 35,000 2,000 500 500 Nil Nil Nil 35* 35* 35*

Section 5

Personal Belongings Valuables Single item limit

Only applies

to Value cover if you have paid the applicable additional premium to include this cover.

Section 6

Temporary loss of belongings

50 per 12 hours, 100 max

Nil

50 per 12 hours, 150 max

Nil

100 per 12 hours, 300 max

Nil

Only applies to Value cover if you have paid the applicable additional premium to include this cover.

Section 7

Money & Documents Cash limit (age over 18) Cash limit (age under 18)

300 150 50

75 75 75

400 200 100

50* 50* 50*

500 250 150

35* 35* 35*

Only applies to Value cover if you have paid the applicable additional premium to include this cover.

*The excess shown is the excess payable under the policy unless you have selected the double excess option in which case your excess will be double that shown above. Your Policy Schedule will confirm whether or not you have taken the double excess option.

Schedule of benefits
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Section Number Section 8 Section 9 Section 10 Section 11 Section 12 Loss of Passport Personal Liability Missed Departure Extra travel and accommodation expenses Catastrophe Cover Mugging

VALUE Limit Not available 2m Not available Not available Not available Excess 200

STANDARD Limit 250 2m 600 1,000 50 per 24 hours, max 500 200 25,000 20 per 12 hours, max 400 4,000 Not available 50 per 24 hours, max 500 31 (option to extend to 45 or 60) Excess Nil 200 Nil Nil Nil

FINEST Limit 400 2m 1,500 1,500 100 per 24 hours, max 1,000 750 75,000 30 per 12 hours, max 600 8,000 1,500 100 per 24 hours, max 1,000 31 (option to extend to 45 or 60) Excess Nil 200 Nil Nil Nil

Section 13 Section 14 Section 15

Pet Care Legal Expenses Delay

Not available Not available 10 per 12 hours, max 200 1,000 Not available Not available

Nil

Nil Nil Nil

Nil Nil Nil

Section 15 Section 16 Section 17

Holiday Abandonment Financial Failure Cover Hijack

75

50* Nil

35* Nil Nil

Maximum trip duration (days)

31 (option to extend to 45 or 60)

Schedule of benefits
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Section Number Section 18 Optional Winter Sports cover Winter Sports equipment (owned or hire) Winter Sports equipment hire Ski pack Piste closure

VALUE Limit Excess

STANDARD Limit Excess

FINEST Limit Excess

Not available Not available Not available Not available Not available

500 30 per day, 300 max 250 30 per day, 300 max 35 per day, max 350

50* Nil

750 40 per day, 400 max 350 40 per day, 400 max 50 per day, 500 max

35* Nil

Nil Nil

Nil Nil

Optional Cover

Avalanche cover

Nil

Nil

Section 19

Optional Golf cover Golf equipment Golf equipment hire Not available Not available Not available 1,000 20 per day, max 200 75 per day, max 300 50* Nil 1,000 20 per day, max 200 75 per day, max 300 35* Nil

Green fees

Nil

Nil

Section 20

Optional Wedding cover Wedding attire Not available Not available Not available 1,500 per couple 1,000 per couple 500 per ring 50* 3,000 per couple 2,000 per couple 1,000 per ring 35*

Wedding gifts

50*

35*

Wedding rings

50*

35*

Please note that the sum insured is the most you can claim under the section but other limits may apply. These are shown under the appropriate sections of the policy. Schedule of benefits All cover limits and excesses shown are per person.
*The excess shown is the excess payable under the policy unless you have selected the double excess option in which case your excess will be double that shown above. Your Policy Schedule will confirm whether or not you have taken the double excess option.

Optional Cover subject to payment of additional premium. If you have paid for this optional add-on, it will be shown on your Policy Schedule.

Definitions
Wherever the following words and phrases appear in this policy or the schedule they will always have the meanings shown below. These terms may have different meanings under Section 14 and Section 16. Please refer to these individual sections for more information.
Accidental injury Injury to you resulting directly from an accident involving something violent and visible. This does not include sickness or disease, any natural condition or the result of anything that happens gradually. An act, including but not limited to the use or threat of force or violence, by any person or group, whether acting alone or on behalf of or in connection with any organisation(s) or Government(s), committed for political, religious, ideological or ethnic purposes or reasons, including the intention to influence any Government and/or to cause fear to the public, or any section of the public. The following regular scheduled forms of transport: Train, Coach, Bus, Aircraft or Sea Vessel which run to a timetable and where you are a fare-paying passenger, and pre-booked Taxis. Anyone who works at your place of business and who needs to be in work while you are away so the business can run properly. Earthquake, Explosion, Fire, Flood, Hurricane, Lightning, Storm and Tempest. A person under 18. Your husband, wife, common-law partner, civil partner, parent, step parent, grandparent, parent-in-law, son-in-law, daughter-in-law, brother-in-law, sister-in-law, child, step child, grandchild, brother, sister, fianc or fiance. Two adults living at the same address who are married, in a civil partnership or living together as if they are married. The first amount of each claim for each insured person that is payable by you. Up to two adults under 65 living at the same address who are married or living together as if they are married, with any number of dependent children (son, daughter, grandchild, step-child, foster child) under 18 travelling with them. Perishable goods, glass, antiques, works of art and china. The unlawful seizure or wrongful exercise of control of the aircraft, sea vessel or train (or crew thereof) in which you are travelling as a passenger. The address where you live in the United Kingdom.

Acts of terrorism

Booked Scheduled Transport

Business associate

Catastrophe

Child Close relative

Couple

Excess

Family

Fragile Articles Hijack

Definitions
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Home

Labour dispute or protest Manual Work

Any form of action taken, or the threat of action, which prevents or otherwise interferes with producing goods or providing services. Any work that involves working at heights of more than 2 metres and/or the use of physical labour, including but not limited to construction, installation, assembly, building work and any work involving the use of heavy machinery or specialist equipment. Theft or attempted theft involving an act of violence against you by someone not insured on this policy which results in your injury and hospitalisation. The period you are covered for as shown in your Policy Schedule. The time that cover for particular sections starts and ends is given in more detail below. For single-trip insurance Cancellation cover starts on the date of issue shown on your Policy Schedule. All other cover begins when you leave home to go on your trip and lasts until you return home, as long as that is within the period of insurance you have paid for. For annual multi-trip insurance Cancellation cover starts when you book each trip or on the start date shown on your Policy Schedule, if this is later. Cover under all other sections begins when you leave home to go on your trip and ends when you return home from that trip. There is no limit to the number of trips you may take, but each trip must be no longer than 31, 45 or 60 days, depending on the duration period as shown on your Policy Schedule. The start and finish dates of the trip must fall within the 12-month period shown on your Policy Schedule. For holidays booked during the 12-month period and that start after the end of the 12-month period, we will provide cancellation cover until the policy ends. We will extend the period of insurance by up to 30 days, at no extra cost, if you have to stay on your trip longer because of events which you have no control over. If the transport you are on is hijacked, we will automatically provide worldwide cover. The period of insurance will continue for up to 12 months without extra charge.

Mugging

Period of insurance

Personal Belongings Ski Pack

Items owned entirely by you including your luggage and their contents, articles you are wearing or carrying with you including your valuables. Ski-school fees, ski-instructor fees, hired skis, hired ski boots and bindings, hired snowboard, hired snowboard boots and bindings or hired ice-skates, and the cost of any lift pass you have booked.

Definitions
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Stable condition

A medical condition which has shown no signs of deterioration and which has not required a change or increase in medication in the last 12 months and which has not necessitated a consultation with a General Practitioner or specialist more regularly than every six months. When a doctor tells a patient that they have a condition that will eventually lead to their death. Your holiday or business trip that starts and finishes from your home address in the United Kingdom. The start and finish dates of the trip must fall within the period of insurance. Great Britain and Northern Ireland, Channel Islands and the Isle of Man. Audio, visual, video, photographic, computer and portable navigation equipment, jewellery, furs, gold and silver items, watches, binoculars, musical instruments and electronic games. Ageas Insurance Limited in respect of all Sections of cover, other than Section 14 Legal Expenses and Section 16 Financial Failure cover where other definitions of this term are provided. On-piste snowboarding, on-piste skiing, mono-skiing, ice-skating, curling, tobogganing and snow-mobiling, cross-country skiing on locally recognised tracks, off-piste skiing with a qualified instructor and offpiste snowboarding with a qualified instructor. Each insured person named on the Policy Schedule who the correct premium has been paid for.

Terminal prognosis

Trip

United Kingdom Valuables

We, our, us

Winter Sports

You, your

Definitions
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Personal travel insurance geographical limits / Who to contact if you need help following a Medical Emergency Assistance International

Personal travel insurance geographical limits

Your Policy Schedule will set out the geographical limits of your cover. Before travelling please ensure that your trip is within the geographical limits identified. These are based on the definitions below. Area UK Area EU England, Scotland, Wales and Northern Ireland including the Isle of Man. Europe, the Channel Islands, the Republic of Ireland, Madeira, the Canary Islands, Syria, Turkey, Tunisia, Egypt, Israel and all countries bordering the Mediterranean Sea. Worldwide except the United States of America, Canada and the Caribbean. Worldwide.

Area XU Area WW

Who to contact if you need help following a Medical Emergency Assistance International
Assistance International is a 24-hour worldwide emergency service. This service is only for real emergencies. If you need help following a medical emergency, please call: +44 23 8064 4633 The numbers from the countries most often visited are as follows. USA and Canada: 011 44 23 8064 4633 France, Greece, Portugal, Spain and Italy: 00 44 23 8064 4633 Fax number: +44 23 8064 4616

Information needed in medical emergencies

Your name and address, and your phone or fax number abroad Your policy number shown on the schedule The details of your booked outward and return journeys The type of help you need. If you go into a hospital abroad and you are likely to be in for more than 48 hours, or if you have to return home early, someone must contact Assistance International for you immediately.

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Getting you home after a medical emergency

If you are too ill to return home using your return travel tickets, Assistance International can arrange other travel for you. In special circumstances, they will arrange a road or air ambulance. Before you travel, the doctors looking after you must provide a certificate confirming that it is medically necessary for you to return home and that you are fit to travel. The conditions of Section 2 Medical and other expenses and condition 5 of the general conditions that apply to all sections also apply to the service provided by Assistance International.

Paying medical fees

If possible, you should pay for your medical treatment and then claim these costs back when you return home. If you cannot pay the medical costs out of your own money, contact Assistance International. We may record or monitor calls for training purposes or to improve the quality of our service. Who to contact if you need help following a Medical Emergency Assistance International
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European Health Insurance Card

A European Health Insurance Card (EHIC) entitles you to reduced-cost, sometimes free, medical treatment that becomes necessary while youre travelling in a European Economic Area (EEA) country or Switzerland. The EEA consists of the European Union (EU) countries plus Iceland, Liechtenstein and Norway. You can pick up an EHIC application form from your local Post Office or you can complete this online by visiting www.dh.gov.uk/travellers. If we agree to a claim for medical expenses which has been reduced because you used an EHIC or private health insurance, we will not apply the excess for this section. If you do not have an EHIC, this insurance policy will still be valid.

Making a claim
To make a claim under all Sections of the policy other than Section 16 Financial Failure, please call Onecall on 0845 677 7555. The phone line is open 24 hours a day, 365 days a year. They will lodge your claim and issue a claim form. Please refer to Section 16 on page 41 for details as to how to claim for Financial Failure cover. Fill in the claim form and return it with the relevant proof we need as stated here and on the claim form. All the certificates, accounts, receipts, information and evidence you send must be in the form we ask for. Always send originals and not photocopies. Please ensure you keep copies of any documents you send to us. You must pay any costs involved in providing these documents. Please do not send any documents until you send in your claim form. We will aim to answer all correspondence within five working days of receiving it. We may record or monitor calls for training purposes or to improve the quality of our service. Please note that you can only claim for costs and expenses that are not recoverable from any other source. Please notify us of your claim as soon as possible. Any unreasonable delays in your notification may mean that we may not pay your claim or may only pay part of it. You must supply the following proof.

If you cancel the trip

Please send us: the reason for cancelling the trip your booking invoice or receipt and your cancellation invoice independent written proof of the reason for cancellation. For example, if the cancellation is due to an illness or injury, the medical certificate on the cancellation claim form will need to be filled in by the doctor of the person who was ill or injured to confirm that cancellation was medically necessary.

Cutting the trip short

Making a claim Please give the reason you cut your trip short, confirming that you had to come home early. Before you return home early for medical reasons, you must get a doctors certificate to confirm that this is necessary and that you are fit to travel. You must then send this with your claim form.

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Medical and other expenses

Please send details of the illness or injury and original receipts and bills for any expenses you have paid.

Personal accident
Please send full details of the accident and injury.

Personal belongings, temporary loss and winter sports equipment

Please send full details of the belongings which have been lost, stolen or damaged. You should also send receipts, proof of ownership, or bills for the cost of repairs. For loss or theft claims, you must also send a police report. If your belongings were lost, stolen or damaged while in the care of an airline, you must send a property irregularity report as well as the flight tickets and luggage receipts the airline gave you when you checked in. For temporary-loss claims, please send receipts for the replacement items you have bought and a property irregularity report.

Money and documents

Please send full details with a police report and cash withdrawal slips or similar proof of the money you withdrew or that was held by you for business reasons.

Loss of passport
Please send a police report and any bills or receipts for travel and accommodation expenses.

Personal liability
You must send us any writ, summons or other legal documents as soon as you receive them. You must also give us any information and help we need to deal with the case and your claim. You must not negotiate, pay, settle, admit or deny any claim without our permission in writing.

Missed departure extra travel and accommodation expenses

You must send receipts or bills for your expenses. For car breakdown or accident claims, send the repairer's report or police accident report and details of how you got to the port or airport. Making a claim
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Legal expenses
Please send full details of the accident and your injury.

Delay
When you claim you must ask the airline or transport company to confirm in writing: the cause of the delay or cancellation the period of the delay the scheduled time of departure and arrival the actual time of departure and arrival.

Mugging
Please send a police report and a certificate from the doctor confirming the injuries you received and the period you were in hospital receiving inpatient treatment.

Winter sports hire

Please send receipts for the cost of hiring the snowboard or skis and full details of what was lost, damaged or stolen.

Ski pack (lessons, hire and lift pass)

Give the reason for cutting short the use of your ski pack and send us a medical certificate confirming that this was necessary.

Piste closure
Please ask the relevant authority to confirm in writing that the piste was closed. You must also send your receipts for transport to the other resort and the cost of the lift pass.

Avalanche closure
You must get written confirmation from the appropriate authority that getting to or from your resort was not possible for the period claimed due to an avalanche or a landslide. Making a claim
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Dangerous activities
Within the policy, for example under Section 2 (Medical and other expenses), you are not covered for claims caused by you taking part in winter sports (unless you have paid the extra winter sports premium), mountaineering, potholing, riding or driving in any kind of race, flying (except as a passenger in a fully-licensed passenger carrying aircraft) or doing any other dangerous activity. However, we automatically cover the activities listed below under our core cover and under the winter sports cover. Abseiling professionally organised and supervised Archery properly supervised Camel riding not racing Jet skiing Canoeing/rafting excluding white water rafting, up to category 2 Catamaran sailing up to 12 miles from coast only Clay-pigeon shooting organised event Cycling transport only excludes mountain biking and BMX Deep-sea fishing game fishing* Dinghy sailing up to 12 miles from coast only Dry slope skiing Fell walking no picks or ropes Fishing Football not professional, semiprofessional or major competition or tournament Dangerous activities
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Horse riding excluding jumping, hunting and competition Hot air ballooning licensed operation only, not piloting

Marathon running not professional Orienteering Paint balling/war games Paragliding/parascending over water only when attached to a speedboat* Pony trekking Quad Biking only if wearing a helmet and protective clothing and in a controlled environment and not participating in any race or competition, and the quad bike is not more than 125cc Safaris without guns professionally organised tours only Scuba diving to 30 metres (increased to 40 metres if you hold a recognised diving qualification which shows you are competent to make the dive) Snorkelling Surfing Waterskiing Wind surfing

Gliding not piloting & subject to flying with qualified pilot Go-karting up to 120cc Hiking/walking/trekking no ropes or equipment and on recognised routes

Winter sports covers:

Skiing on-piste Skiing off-piste with a qualified instructor Snowboarding on-piste Ice skating Snowboarding off-piste with a qualified instructor Snowmobiling* Cross-country skiing Mogul skiing Monoskiing Tobogganing Curling Downhill skiing Heli skiing*

The policy may not cover you if you are going to do any activity that we may consider to be dangerous and that is not listed above, or if you take part in any competition. Please contact us to see if we can provide cover.
*Under Section 9 (Personal Liability), you will not be covered for liability caused directly or indirectly by you owning or using any aircraft, motorised vehicle, boat, or any form of motorised leisure equipment.

Important information
1. About the cover and conditions
This is your contract of insurance. It contains certain conditions in each section and general conditions on pages 54 to 56. You must meet the conditions or we will not accept your claim. We have designed this insurance to cover a number of events which could affect your trip, but there are certain things which are not covered.

Dangerous activities / Important information

2. Limit of cover
Each section of the personal insurance cover shows the most you can claim, but other limits may apply for example, a separate limit exists for valuables under the personal belongings section and a separate limit exists for cash in the Money and Documents section. We will work out how much we will pay you for baggage claims based on the value of the items at the time of the loss, not the cost of replacing them.

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3. Cancelling your policy

If you are not satisfied with this policy and have not taken a trip protected by the cover provided and; have not made a claim against the policy and; there has been no incident likely to give rise to a claim (such as the cancellation of a booked trip), you can cancel this policy within 14 days from the date you receive the policy wording and Policy Schedule. We will then refund your premium in full. We will not refund your premium after the 14-day period. If you have a single-trip policy, we will only refund your premium if the period from the date we issued the policy until your scheduled return date home is greater than 28 days. For both single trip and annual multi trip no refund of premium will be available after the 14 days. If you want to cancel your policy, please contact us on 0845 293 9475. We or anyone we authorise can cancel this policy at any time by sending you 14 days notice in writing. We will send this notice to the last known address we have for you. We will refund your premium for the time that was left on your policy as long as you have not made a claim.

4. When this policy is valid

This policy is only valid if you also have a Policy Schedule showing the correct premium and you have paid the premium. The policy describes the cover provided for you and the conditions which your cover depends on.

5. One-way trips
This insurance is designed to cover a round trip which starts and finishes at your usual home in the United Kingdom. We may arrange insurance for one-way trips of up to 17 days. This is limited to the cover and conditions that would have applied if you had arranged to return to the United Kingdom at the end of the period of insurance.

6. Looking after your belongings

You must look after your personal belongings, in particular your valuables and money. Many claims for loss or theft are caused by carelessness. You should ensure that you carry your valuables/money with you at all times or ensure they are secure in your locked accommodation, a locked safety deposit box or locked safe. If you do not take reasonable steps to protect your property, we may not accept your claim.

Important information
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7. Excesses
We will take an excess off each claim you make under certain sections of this insurance policy. The amount you will have to pay towards a claim is shown under each section. If we agree to a medical expenses claim (Section 2) which has been reduced because you have used an EHIC or private health insurance, you will not have to pay the excess under that section. If you have chosen to benefit from a reduced premium by taking out the double excess option, this will be shown on your schedule.

8. For annual multi-trips

UK trips Annual multi-trip insurance provides cover for trips in the United Kingdom, only if they include at least two nights accommodation, which you must pay for and which has been pre-booked. Couples and families Annual multi-trip cover for couples and families allows the adults covered under the policy to travel either together or separately. A child covered under the annual multi-trip family policy can only travel without the insured adults if he or she is travelling with and under the supervision of an adult who is responsible for his or her care for the length of the trip. Winter sports Annual multi-trip cover will provide up to 17 days winter sports cover in one year if you have paid the appropriate premium. Declaration The declaration and limits of cover apply to each trip separately.

9. For business travel insurance

The single-trip and multi-trip premium will automatically cover you while you are away from home on a business trip which is for managerial, clerical or other non-manual work. Important information

10. Eligibility
This policy is only available to persons who have been resident in the United Kingdom for at least 6 months prior to taking out this insurance, who have a home address in the United Kingdom and who are registered with a General Practitioner in the United Kingdom.

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Personal travel insurance

Section 1a If your trip is cancelled
Value: up to 1,000 Standard: up to 4,000 Finest: up to 8,000 What is covered You will be covered for your expenses you have paid or legally have to pay for your unused travel and accommodation which you do not use if you have no choice but to cancel the trip as a result of one of the following commencing during the period of insurance: (a) Your death, injury or illness or that of your travelling companion (not including a tour leader or someone you have paid to provide any part of your trip), the person you are going to stay with, a close relative or business associate (b) You or your travelling companion being required by the police to stay at home as a result of burglary, or serious damage by fire, explosion, subsidence, storm flooding, vandalism, fallen tree or impact by aircraft or vehicle to your or their home or usual place of business in the United Kingdom (c) You or your travelling companion being required for jury service or as a witness in a court of law in the United Kingdom as long as you became aware of the commitment after taking out this policy or booking the trip (whichever is later) (d) You being made involuntarily redundant if you are under 65 and have 2 years' continuous employment with the same employer (e) You or your travelling companion having agreed leave subsequently cancelled by the emergency services or armed forces, for operational reasons. This cover does not apply to cancellation of leave due to war, invasion, acts of terrorism, hostilities (whether war be declared or not), civil unrest, revolution, rebellion, act of foreign enemy or any similar event. Note For single-trip cover, cancellation insurance starts on the date of issue shown on your Policy Schedule. For annual multi-trip cover, each trip is covered when you book it or on the start date shown on your Policy Schedule, whichever is later. In the event of your flight being booked with AirMiles or by using Clubcard points, we will pay the cost of an equivalent flight to be taken within 3 months from the date of loss.

Personal travel insurance Section 1a: If your trip is cancelled

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What is not covered As well as the general conditions on pages 54 to 56, the following exclusions apply: 1 You are not covered for claims caused directly or indirectly by the following: (a) You deciding you no longer want to travel (b) A labour dispute or protest (c) Government regulations, acts of parliament or currency restrictions (d) Your financial circumstances or unemployment (other than redundancy if you are under 65 and have two years continuous employment with the same employer) (e) The tour operator, or anyone you have made travel or accommodation arrangements with, failing to provide the arrangements (f) Your disinclination to travel or loss of enjoyment of your trip (g) You travelling against medical advice or to get medical treatment (h) You failing to get a valid passport or other travel documents you need (i) Your suicide, attempted suicide, intentional self-injury or deliberate exposure to danger (unless in an attempt to save someone's life). 2 3 If you receive compensation from someone or somewhere else, we will take this off your claim. We will not pay the first 75 for Value cover, 50 for Standard cover or 35 for Finest cover (10 for deposit-only claims) of your claim made. This applies per Insured person for each claim unless you have selected the double excess option in which case your excess will be double that shown above. Your Policy Schedule will indicate whether you have taken the double excess option. Personal travel insurance Section 1a: If your trip is cancelled

Conditions As well as the general conditions on pages 54 to 56, the following conditions apply: 1 2 You must do everything that you can to get to the airport, port or station you are leaving from on time. If you do not tell the travel agent, tour operator or organisations providing transport and accommodation as soon as you need to cancel your trip, the amount we pay will be limited to the cancellation charges that would have applied at that time.

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Section 1b If your trip is cut short

Value: up to 1,000 Standard: up to 4,000 Finest: up to 8,000 What is covered You will be covered for your expenses you have paid or legally have to pay for travel and accommodation which you do not use if you have no choice but to cut short the trip and you return home for one of the reasons given below. 1 One of the following people is injured, falls ill or dies: (a) You or the person you had arranged to travel or stay with (not including a tour leader or someone you have paid to provide any part of your trip) (b) A close relative (c) A business associate. 2 Your home is damaged and not fit to live in, or the police ask you to return because your home has been burgled.

What is not covered As well as the general conditions on pages 54 to 56, the following exclusions apply: Personal travel insurance Section 1b: If your trip is cut short
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You are not covered for claims caused directly or indirectly by the following: (a) You taking part in winter sports (unless you have paid the extra winter sports premium) mountaineering, potholing, riding or driving in any kind of race, scuba diving to more than 30 metres (increased to 40 metres if you hold a recognised diving qualification which shows you are competent to make the dive), flying (except as a passenger in a fully-licensed passenger-carrying aircraft) or any other dangerous activity (b) You taking part in manual work in connection with a profession, business or trade (c) Your suicide, attempted suicide, intentional self injury or deliberate exposure to danger (unless in an attempt to save someones life) (d) You being under the influence of solvents or drugs or their effects (except drugs prescribed by a doctor other than for treatment of drug abuse) or where in the opinion of the treating doctor excessive alcohol consumption has caused the injury or illness (e) You motorcycling, as either the driver or a passenger of a motorcycle which is more than 125cc, unless the driver holds a current licence which allows them to ride a motorcycle of more than 125cc and you are wearing a helmet (f) Cosmetic or elective surgery (g) You travelling against medical advice or to get treatment

(h) Medication and treatment which you knew you would need while you were away (i) You deciding to cut short your trip due to your disinclination to continue your trip, or loss of enjoyment of your trip. 2 We will not pay the first 75 for Value cover, 50 for Standard cover or 35 for Finest cover of every claim made for each of you unless you have selected the double excess option in which case your excess will be double that shown above. Your Policy Schedule will indicate whether you have taken the double excess option. Personal travel insurance Section 1b: If your trip is cut short / Section 2: Medical and other expenses

Conditions As well as the general conditions on pages 54 to 56, the following conditions apply. 1 If you go into hospital and are likely to be in for more than 48 hours, or if you have to return home early, someone must contact Assistance International for you immediately. Before you return home early for medical reasons, you must get a doctors certificate to confirm that this is necessary and that you are fit to travel. If you return home early because of an illness, injury or death of a close relative or business associate, you must get a doctors certificate confirming the illness, injury or death.

2 3

Section 2 Medical and other expenses

Value: up to 2 million Standard: up to 5 million Finest: up to 10 million What is covered You will be covered for the following expenses caused by you becoming ill, being injured or dying during the period of insurance, as long as the expenses are necessary and the costs are reasonable: 1 (a) Expenses you would have to pay, outside the United Kingdom and the country where you normally live, within 12 months of the start of your illness or injury. The expenses must be for medical, surgical or hospital charges, ambulances, nursing homes and nursing (b) The extra cost of returning to your home, including returning you by air ambulance if this is medically necessary (c) Your reasonable extra accommodation (room only) expenses (d) Extra travel and accommodation (room only) expenses for one person who has to either stay with you or travel from the United Kingdom to escort you home if you are seriously ill or injured (e) The extra cost, above that which would be paid in the United Kingdom, for funeral expenses abroad or of bringing your body or ashes home

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(f) If you are on a business trip and your company needs to send someone to replace you, we will pay their replacement's economy class air fare or second-class rail fare to the point at which you were too ill to continue the business trip (g) Emergency dental treatment up to 300 for the immediate relief of pain only. 2 You will be covered for extra travel expenses which are reasonable and necessary if you have to return home early because a close relative or business associate is seriously ill or injured or has died during the period of insurance.

What is not covered As well as the general conditions on pages 54 to 56, the following exclusions apply. 1 You are not covered for claims caused directly or indirectly by the following: (a) You taking part in winter sports (unless you have paid the extra winter sports premium) mountaineering, potholing, riding or driving in any kind of race, scuba diving to more than 30 metres (increased to 40 metres if you hold a recognised diving qualification which shows you are competent to make the dive), flying (except as a passenger in a fully-licensed passenger-carrying aircraft) or any other dangerous activity (b) You taking part in manual work in connection with a profession, business or trade (c) Your suicide, attempted suicide, intentional self injury or deliberate exposure to danger (unless in an attempt to save someones life) (d) You being under the influence of solvents or drugs or their effects (except drugs prescribed by a doctor other than for treatment of drug abuse) or where in the opinion of the treating doctor excessive alcohol consumption has caused the injury or illness (e) You motorcycling, as either the driver or a passenger of a motorcycle which is more than 125cc, unless the driver holds a current licence which allows them to ride a motorcycle of more than 125cc and you are wearing a helmet (f) Cosmetic or elective surgery (g) You travelling against medical advice or to get treatment (h) Medication and treatment which you knew you would need while you were away. 2 3 4 5 You are not covered for treatment or surgery which our medical advisers and the doctor treating you believe is not essential or could wait until your return home. You are not covered for extra costs for a single room or private accommodation. You are not covered for any treatment you receive after you have returned home. We will not pay the first 75 for Value cover, 50 for Standard cover or 35 for Finest cover of every claim made for each of you unless you have selected the double excess option in which case your excess will be double that shown above. Your Policy Schedule will indicate whether you have taken the double excess option. The excess will not apply if your claim has been reduced because you have used an EHIC or private health insurance.

Personal travel insurance Section 2: Medical and other expenses

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Conditions As well as the general conditions on pages 54 to 56, the following conditions apply. 1 If you go into hospital and are likely to be in for more than 48 hours, or if you have to return home early, someone must contact Assistance International for you immediately. Before you return home early for medical reasons, you must get a doctors certificate to confirm that this is necessary and that you are fit to travel. If you return home early because of an illness, injury to or death of a close relative or business associate, you must get a doctors certificate confirming this illness, injury or death. Personal travel insurance Section 2: Medical and other expenses / Section 3: Hospital benefit You must not arrange to be taken home without our permission. Our medical advisers will consult the doctors treating you to decide whether it is necessary. We may tell you to return if our medical advisers and the doctors treating you decide that you are fit to travel.

2 3

4 5

Section 3 Hospital benefit

Value: up to 600 (15 per day) Standard: up to 800 (20 per day) Finest: up to 2,000 (50 per day) What is covered If you fall ill or are injured during the period of insurance, you will receive 15 for Value cover, 20 for Standard cover, 50 for Finest cover for each full 24 hours that you spend as an inpatient in a hospital outside the UK and the country where you normally live. Note Any amount you receive under this section will be on top of any amount that you receive under Section 2. You can use this cover to help pay for out-of-pocket expenses such as taxi fares and phone calls paid for by you or someone travelling with you while you are in hospital. What is not covered As well as the general conditions on pages 54 to 56, the following exclusions apply: 1 You are not covered for claims caused directly or indirectly by the following: (a) You taking part in winter sports (unless you have paid the extra winter sports premium) mountaineering, potholing, riding or driving in any kind of race, scuba diving to more than 30 metres (increased to 40 metres if you hold a recognised diving qualification which shows you are competent to make the dive), flying (except as a passenger in a fully-licensed passenger-carrying aircraft) or any other dangerous activity

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(b) You taking part in manual work in connection with a profession, business or trade (c) Your suicide, attempted suicide, intentional self injury or deliberate exposure to danger (unless in an attempt to save someones life) (d) You being under the influence of solvents or drugs or their effects (except drugs prescribed by a doctor other than for treatment of drug abuse) or where in the opinion of the treating doctor excessive alcohol consumption has caused the injury or illness (e) You motorcycling, as either the driver or a passenger of a motorcycle which is more than 125cc, unless the driver holds a current licence which allows them to ride a motorcycle of more than 125cc and you are wearing a helmet (f) Cosmetic or elective surgery (g) You travelling against medical advice or to get treatment. (h) Medication and treatment which you knew you would need while you were away. Personal travel insurance Section 3: Hospital benefit / Section 4: Personal accident
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Section 4 Personal accident

Value: no cover Standard: up to 25,000 Finest: up to 75,000 What is covered If, during the period of insurance, you suffer an accidental injury and lose your sight, lose a limb, become completely disabled or die within 12 months, directly as a result of the accident, you or your personal representatives can claim one of the following amounts: Standard (a) Death (of a person aged up to 65) (b) Loss of one or more limbs at or above the wrist or ankle, or permanent loss of all sight in one or both eyes (for persons aged up to 65) (c) permanent and complete disability which means that you cannot do any kind of paid work (of a person aged up to 65) 15,000 25,000 Finest 35,000 75,000

25,000

75,000

Note: For a person aged under 18 or over 65 years the maximum benefit payable under a), b) and c) above is limited to 3,500, applicable to both Standard and Finest Cover.

What is not covered As well as the general conditions on pages 54 to 56, the following exclusions apply: 1 You are not covered for claims caused directly or indirectly by the following: (a) You taking part in winter sports (unless you have paid the extra winter sports premium) mountaineering, potholing, riding or driving in any kind of race, scuba diving to more than 30 metres (increased to 40 metres if you hold a recognised diving qualification which shows you are competent to make the dive), flying (except as a passenger in a fully-licensed passenger-carrying aircraft) or any other dangerous activity (b) You taking part in manual work in connection with a profession, business or trade (c) Your suicide, attempted suicide, intentional self injury or deliberate exposure to danger (unless in an attempt to save someones life) (d) You being under the influence of solvents or drugs or their effects (except drugs prescribed by a doctor other than for treatment of drug abuse) or where in the opinion of the treating doctor excessive alcohol consumption has caused the injury or illness (e) You motorcycling, as either the driver or a passenger of a motorcycle which is more than 125cc, unless the driver holds a current licence which allows them to ride a motorcycle of more than 125cc and you are wearing a helmet (f) Cosmetic or elective surgery (g) You travelling against medical advice or to get treatment. Personal travel insurance Section 4: Personal accident (h) Medication and treatment which you knew you would need while you were away. 2 You are not covered under this section for any claim if: (a) it was caused by medical or surgical treatment, unless it was necessary after the accident; or (b) at the time of the accident, you were under the influence of alcohol or drugs, unless the drugs were prescribed by and taken on the instructions of a doctor (except to treat drug addiction). 3 You are not covered if the accident was caused by a medical condition that existed before your trip.

Condition As well as the general conditions on pages 54 to 56, the following condition applies: 1 If you make a claim, you must allow our medical advisers to examine you as often as they need to. (We will pay any costs and your expenses for these examinations.)

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Section 5 Personal belongings

Cover Value Standard Finest Automatically included No Yes Yes Cover limit 1,000 (if additional premium paid) 1,500 2,000

What is covered If you accidentally lose your personal belongings, or if they are stolen or damaged, you can claim up to the limit shown above to replace or repair them. (We will take an amount off for wear and tear and loss of value.) There is a limit of 200 for Value cover, 300 for Standard cover and 500 for Finest cover for one item, pair or set. The overall limit for valuables, golf and sports equipment, compact discs and pre-recorded audio tapes is 200 for Value cover, 300 for Standard cover and 500 for Finest cover. What is not covered As well as the general conditions on pages 54 to 56, the following exclusions apply: 1 Personal travel insurance Section 5: Personal belongings
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You are not covered for the following. (a) Loss of, theft of or damage to your personal belongings during your outward or return journey if you do not get a written carriers report, or a property irregularity report in the case of an airline. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days (b) Loss or theft of your personal belongings at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from them (c) Breakage of or damage to fragile articles, audio, video or computer equipment (unless the breakage or damage is caused by a malicious or criminal act), and any other loss or damage caused by the breakage (d) Loss or damage caused by delay, wear and tear, moths, vermin, weather and atmospheric conditions or mechanical failure (e) Loss of, theft of or damage to food, drink or tobacco products (f) Loss of, theft of or damage to contact or corneal lenses, dentures, mobile phones or loose precious stones (g) Loss of theft of or damage to securities, deeds, documents or property held for business purposes (h) Loss of, theft of or damage to valuables if you leave them in baggage which is checked in to the carrier

(i) Loss of, theft of or damage to valuables you are not carrying with you unless you have kept them in locked accommodation, a safe or a safety deposit box (j) There is no cover for loss of, theft, or damage to personal belongings left in a vehicle overnight. 2 3 Winter sports equipment is not covered under this section (see optional winter sports insurance on pages 45 to 48). We will not pay the first 75 for Value cover, 50 for Standard cover and 35 for Finest cover of every claim made for each of you unless you have selected the double excess option in which case your excess will be double that shown above. Your Policy Schedule will indicate whether you have taken the double excess option.

Personal travel insurance Section 5: Personal belongings / Section 6: Temporary loss of belongings

Conditions As well as the general conditions on pages 54 to 56, the following conditions apply: 1 2 3 You must take proper care of your belongings and act as if you did not have this insurance policy. If your claim involves a pair or set, we will only pay the value of the part of the pair or set which is lost, stolen or damaged. You must keep any damaged property so that we can inspect it. When we make a payment for that property, it will then belong to us.

Section 6 Temporary loss of belongings

Cover Value Standard Finest Automatically included No Yes Yes Cover limit 50 per 12 hours, 100 max (if additional premium paid) 50 per 12 hours, 150 max 100 per 12 hours, 300 max

What is covered If your personal belongings are temporarily lost for more than 12 hours on your outward journey, you can claim up to the amount shown above for the replacements you need to buy. What is not covered As well as the general conditions on pages 54 to 56, the following exclusion applies: 1. If you receive compensation from someone or somewhere else, we will take this amount off your claim.

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Conditions As well as the general conditions on pages 54 to 56, the following conditions apply: 1 As well as getting an authorised carriers report or property irregularity report from the carrier or handling agent, you must also write to them within 21 days of receiving your property back to confirm you had to buy replacement items. If your personal belongings are never found and we agree to pay for permanent loss, we will take off any amount we have already paid for temporary loss. Original receipts must be kept for any items purchased.

2 3 Personal travel insurance Section 6: Temporary loss of belongings / Section 7: Money and documents
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Section 7 Money and documents

Cover Value Automatically included No Cover limit 300 150 limit for cash, 50 cash limit for children under 18 provided additional premium has been paid 400 200 limit for cash, 100 cash limit for children under 18 500 250 limit for cash, 150 cash limit for children under 18

Standard

Yes

Finest

Yes

What is covered We will repay you if you lose any of the following or they are stolen: Bank notes Coins Travel tickets Admission tickets The cost of replacing a Passport The cost of replacing qualification certificates. This cover starts from the time you get the money or documents or 72 hours before you leave home to go on your trip, whichever is later.

What is not covered As well as the general conditions on pages 54 to 56, the following exclusions apply: 1 You are not covered for the following: (a) Loss or theft if you have not reported it to the police within 24 hours of discovering the loss or theft and you have not got a police report (b) Loss of value or shortages caused by a mistake (c) Money left in baggage which you have checked in to the carrier or which you do not keep with you, unless it is in locked accommodation, a safety deposit box or a safe (d) Loss of travellers cheques if you have not complied with the issuers conditions or where the issuer provides a replacement service Personal travel insurance Section 7: Money and documents / Section 8: Loss of passport (e) Loss of, theft of or damage to money and documents you are not carrying with you unless you have kept them in locked accommodation, a safe or a safety deposit box. 2 We will not pay the first 75 for Value cover, 50 for Standard cover and 35 for Finest cover of every claim made for each of you unless you have selected the double excess option in which case your excess will be double that shown above. Your Policy Schedule will indicate whether you have taken the double excess option.

Condition As well as the general conditions on pages 54 to 56, the following condition applies: 1 You must take proper care of your belongings and act as if you did not have insurance.

Section 8 Loss of passport

Value: no cover Standard: up to 250 Finest: up to 400 What is covered You will be covered for all necessary and reasonable extra travel and accommodation (room only) expenses incurred as a result of having to travel to obtain a replacement passport if it is lost or stolen during the period of insurance. What is not covered As well as the general conditions on pages 54 to 56, the following exclusion applies: 1 You are not covered for loss or theft if you have not reported it to the police within 24 hours of discovering the loss or theft and you have not got a police report.

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Conditions As well as the general conditions on pages 54 to 56, the following conditions apply: 1 2 3 You must take proper care of your passport and act as if you did not have this insurance. You are not covered for any expenses arising whilst you are in the United Kingdom. You are not covered for any extra travel and accommodation expenses incurred in returning to the United Kingdom.

Section 9 Personal liability up to 2 million

What is covered If you accidentally injure someone or damage someone elses property whilst on a trip during the period of insurance, you will be covered for your legal liability: Personal travel insurance Section 8: Loss of passport / Section 9: Personal liability
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(a) to people who do not work for you or with you and who are not your travelling companions or members of your family; and (b) for accidental damage to property which is not owned or being looked after by you or a member of your family. If you are legally responsible for accidental damage to rented accommodation, we will pay up to 100,000 for a single incident. This cover includes legal expenses which you have paid with our permission. What is not covered As well as the general conditions on pages 54 to 56, the following exclusions apply: 1 2 3 4 5 6 7 This section does not cover liability caused directly or indirectly by you owning or using any aircraft, motorised vehicle, boat or any form of motorised leisure equipment. This section does not cover employers liability or liability caused by you carrying out contracts, supplying goods and services, or doing any paid or voluntary work. You will not be covered for damage, injury, illness or disease caused directly or indirectly by an infectious disease. We will not pay the first 200 of every claim to do with rented accommodation. The double excess option does not apply to this section. This section does not cover liability caused directly or indirectly by you owning, controlling or the use of any animal. This section does not cover liability caused directly or indirectly by you owning, or the use of any firearm. You will not be covered for any claim arising from any deliberate act or omission by you.

Condition As well as the general conditions on pages 54 to 56, the following condition applies: 1 You must send us any writ, summons or other legal documents as soon as you receive them. You must also give us any information and help we need to deal with the case and your claim. You must not negotiate, pay, settle, admit or deny any claim without our written agreement.

Section 10 Missed departure extra travel and accommodation expenses

Value: no cover Standard: up to 600 Finest: up to 1,500 Personal travel insurance Section 9: Personal liability / Section 10: Missed departure What is covered If one of the following takes place during the period of insurance, you will be covered for the cost of reasonable extra accommodation (room only) and travel expenses to allow you to carry on with your trip if you arrive at your international or final departure point too late to board your booked scheduled transport which departs without you: 1 2 Labour dispute or protest, mechanical breakdown or bad weather which interrupts your scheduled public transport services, including booked connecting flights. An accident or breakdown involving the car in which you are travelling in during the period of insurance and which causes you to arrive at the airport, port or station you are leaving from too late to start the journey you have booked.

Conditions As well as the general conditions on pages 54 to 56, the following conditions apply. 1 2 You must do all that you can to arrive at the airport, port or station you are leaving from on time. In the case of a labour dispute or protest, you will only be covered if the dispute is announced and begins during the period of insurance and after you have booked your trip. If you miss the departure because your car breaks down or you are involved in an accident, you must send us a repairer's report or police accident report.

4. The car you are travelling in must be roadworthy and maintained in accordance with the manufacturers recommendations.

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Section 11 Catastrophe cover

Value: no cover Standard: up to 1,000 Finest: up to 1,500 We will pay you up to 1,000 for Standard cover and 1,500 for Finest cover for extra accommodation and transport costs you need to pay to move to alternative accommodation of a similar standard to that you originally booked, if, as a result of a catastrophe during your journey, you cannot use your accommodation. What is not covered 1 Extra expenses unless you get a letter from the company providing accommodation, the police or your tour operators representative confirming that you could not use your original accommodation. Extra expenses which you are able to claim from the company providing your original accommodation, your tour operator or anywhere else. Any expense which you would normally have expected to pay during your journey.

2 Personal travel insurance Section 11: Catastrophe cover / Section 12: Mugging
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Section 12 Mugging
Value: no cover Standard: up to 500 (50 per 24 hours) Finest: up to 1,000 (100 per 24 hours) What is covered If during the period of insurance you are mugged and injured and you have a valid claim under Section 3 Hospital benefit, you will receive a further 50 for Standard cover and 100 for Finest cover for each full 24 hours that you spend as an inpatient in a hospital outside the United Kingdom and the country where you normally live. What is not covered As well as the general conditions on pages 54 to 56, the following exclusion applies. 1 You are not covered if you do not report the mugging to the police and get a report from them.

Section 13 Pet care

Value: no cover Standard: up to 200 Finest: up to 750 What is covered We will pay up to the amount shown above for extra kennel or cattery fees if your final booked return international journey back to the United Kingdom by aircraft, sea vessel, coach or train is delayed for more than 24 hours due to poor weather conditions, a strike, industrial action or mechanical breakdown. You must get written confirmation from the appropriate transport company or authority stating the reason for the delay and how long the delay lasted. You must keep all receipts for the extra kennel or cattery fees you pay. What is not covered 1 2 Any kennel or cattery fees you pay outside the United Kingdom as a result of quarantine regulations. Any claims where you have not checked in for your trip at the final international departure point at or before the recommended time. Personal travel insurance Section 13: Pet care / Section 14: Legal expenses

Section 14 Legal expenses

Value: no cover Standard: up to 25,000 Finest: up to 75,000 The following definitions apply to Section 14 only. We, us, our DAS Legal Expenses Insurance Company Limited. Representative The lawyer, or other suitably qualified person, who we have appointed to act for you in line with the conditions of this section. Legal costs All reasonable and necessary costs chargeable by the representative and agreed by us in accordance with our Standard Terms of Appointment. Also the costs incurred by opponents in civil cases if you have been ordered to pay them, or you pay them with our agreement. Date of occurrence The date of occurrence is the date of the event that leads to a claim. If there is more than one event arising at different times but from the same originating cause, the date of occurrence is the date of the first of these events. Insured incident An event that leads to a claim being made under this section of your policy.

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What you are covered for Up to the amount shown above depending upon the level of cover you have purchased, for all necessary legal costs incurred, by the representative, following an event which causes the death of, or bodily injury to, you. We agree to provide legal expenses cover, keeping to the conditions and exclusions, as long as: it is always more likely than not that you will recover damages (or obtain any other legal remedy which we have agreed to) or make a successful defence. Before we pay legal costs for appeals, we must agree that it is always more likely than not that an appeal will be successful; if you use a representative, we will pay the legal costs for this; any legal proceedings will be dealt with by a court or other body which we agree to; in civil claims, it is always more likely than not that you will recover damages (or other legal remedy) or make a successful defence; and the date of occurrence of the insured incident must be during the period of insurance. What is not covered As well as the general conditions on pages 54 to 56, the following exclusions apply: 1 The failure to notify us of the insured incident within a reasonable time of it happening, and where this failure adversely affects the prospect of successfully recovering damages (or getting any other legal remedy that we have to agreed to) or of making a successful defence. Any legal costs before we agree to pay them. Any claim relating to the following: Any illness which develops gradually or is not caused by a specific or sudden accident You driving a motor vehicle for which you do not have valid motor insurance Judicial review. 4 5 6 7 8 Defending your legal rights (but defending a counter claim is covered). Any disagreement with us that is not in condition 18 of this section. Any legal action you take which we or the representative have not agreed to or where you do anything that has a negative effect on us or the representative. Any legal action against the travel agent, tour operator, carrier or any of the insurers listed on page 58. Fines, damages or other penalties which you are ordered to pay.

Personal travel insurance Section 14: Legal expenses

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2 3

Any legal costs that you have to pay under a contingency fee arrangement (a contingency fee arrangement is when the lawyer takes a percentage of the damages as the fee).

10 Any insured incident intentionally brought about by you. 11 Any claim relating to your alleged dishonesty or alleged violent behaviour. 12 Any claim relating to written or spoken comments which damage your reputation. Conditions As well as the general conditions on pages 54 to 56, the following conditions apply: 1 2 3 Send us everything we ask for in writing, and give us full details of any claim and any information we need, as soon as possible. We can take over, in your name, any claim or legal proceedings at any time. We can negotiate any claim on your behalf. You are free to choose a representative (by sending us a suitably qualified persons name and address) if: (a) we agree to start court proceedings and it becomes necessary for a lawyer to represent your interests in those proceedings; or (b) there is a conflict of interest. 4 5 6 7 8 9 In all circumstances (except those in 3 above), we are free to choose a representative. We will appoint a representative to represent you according to our standard conditions of appointment. The representative must fully cooperate with us at all times. We will have direct contact with the representative. Personal travel insurance Section 14: Legal expenses You must co-operate fully with us and the representative, and must keep us up to date with the progress of the claim. You must give the representative any instructions that we ask for. You must tell us if anyone offers to settle the claim.

10 If you do not accept a reasonable offer to settle a claim, we may refuse to pay further legal costs. 11 You must not negotiate or agree to settle a claim without our written approval. 12 We may decide to pay you the amount of damages that you are claiming or that is being claimed against you instead of starting or continuing legal proceedings. 13 If we ask, you must tell the representative to have legal costs taxed, assessed or audited. 14 You must take every step to recover any legal costs that we have to pay and must pay us any legal costs that you recover.

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15 If your representative refuses to continue acting for you with good reason or if you dismiss your representative without good reason, the cover we provide will end immediately, unless we agree to appoint another representative. 16 If you stop a claim without our agreement, or do not give suitable instructions to your representative, the cover we provide will end immediately and we will be entitled to reclaim any legal costs we have paid. 17 If there is a disagreement about the way we handle a claim that is not resolved through our internal complaints procedure, you can contact the Financial Ombudsman Service for help. 18 We may ask you to get (at your own expense) an opinion from a barrister or advocate chosen by you and us about whether a claim or proceedings will be successful. If the barrister believes that it is more likely than not you will recover damages (or reach a solution that we have agreed to) or make a successful defence, we will pay the cost of getting the opinion. 19 We will not pay any claim covered under any other policy, or any claim that would have been covered by any other policy if this policy did not exist. If you have a complaint regarding DAS Legal Expenses Insurance Company Limited, please contact them direct at: Customer Relations Department DAS Legal Expenses Insurance Company Limited DAS House Quay Side Temple Back Bristol BS1 6NH Telephone: 0117 934 0066 Fax: 0117 934 2095 e-mail: customerrelations@das.co.uk If you are not satisfied with the final decision following referral to the appropriate party above, you can write to the Financial Ombudsman Service at: Financial Ombudsman Service South Quay Plaza 2 183 Marsh Wall London E14 9SR This complaints procedure will not affect your rights to take legal proceedings.

Personal travel insurance Section 14: Legal expenses

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Section 15 Delay and holiday abandonment

Value: up to 200 (10 per 12 hours) Standard: up to 400 (20 per 12 hours) Finest: up to 600 (30 per 12 hours) What is covered If the transport on which you are booked as a passenger is delayed or cancelled due to one of the following reasons: A storm or serious flood Industrial action Bad weather Mechanical breakdown of train or sea vessel Grounding of the aircraft due to a mechanical or structural defect. You will receive one of the following benefits: 1 Compensation of 10 for each full 12-hour period for Value cover, 20 for each full 12-hour period for Standard cover and 30 for each full 12-hour period for Finest cover that you are delayed, up to a limit of 200 for Value cover, 400 for Standard cover and 600 for Finest cover. We will work out the length of the delay based on the difference between your scheduled time of arrival and your actual arrival time at your final destination; or Your cancellation charges (up to 1,000 for Value cover, 4,000 for Standard cover and 8,000 for Finest cover) if, after a 12-hour delay to the departure of your outward journey from the United Kingdom, you decide to cancel the trip, subject to a cancellation excess of 75 for Value cover, 50 for Standard cover and 35 for Finest cover unless you have selected the double excess option in which case your excess will be double that shown above. Your Policy Schedule will indicate whether you have taken the double excess option. Personal travel insurance Section 15: Delay and holiday abandonment

What is not covered As well as the general conditions on pages 54 to 56, the following exclusions apply: 1 You are not covered for the following: (a) Any claims if you took this insurance out within four weeks of the date you are due to leave and it is public knowledge that the journey could be delayed (b) Claims caused by the tour operator, or anyone you have made travel or accommodation arrangements with, ceasing to trade (c) Amounts you can get back from someone or somewhere else if you decide to cancel the trip (d) Your disinclination to travel or loss of enjoyment of your trip.

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Conditions As well as the general conditions on pages 54 to 56, the following conditions apply: 1 You must ask the airline or transport company to confirm in writing: (a) the cause of the delay or cancellation (b) the period of the delay (c) the scheduled time of departure and arrival; and (d) the actual time of departure and arrival. Personal travel insurance Section 15: Delay and holiday abandonment / Section 16: Financial failure
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Section 16 Financial failure

This cover is provided and administered by International Passenger Protection Limited, IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR, United Kingdom (IPP), who are authorised and regulated by the FSA (FSA registration: 311958) and is underwritten by a consortium of Association of British Insurer member Companies and Lloyds syndicates. Additional definitions applying to this section of cover only: We/us/our International Passenger Protection Limited. Insurers Europaische Reiseversicherung AG (ETI). Novae Syndicate 2007. Sagicor Syndicate 1206. Groupama Insurance Company Ltd. End supplier Scheduled airlines, Hotels, Car ferries, Overseas villas & cottages in the UK, Railway journeys including the Eurostar, Coach operators, Cruises not bonded, Car hire company, Caravan sites/campsites/mobile homes, Camper rental, Safaris, Excursion providers, Eurotunnel and Theme parks such as Disneyland Paris. Bond A financial obligation from the bond issuer against certain liabilities arising from bondholders bankruptcy. For example the CAAs (Civil Aviation Authority) ATOL (Air Travel Organisers Licence) requirement. Booking agent or consolidator A ticket distributor as opposed to actual end supplier of the service. The Consumer Credit Act Section 75 of this Act outlines that when you buy something using your credit card, your contract is with both the trader and the card issuer. The trader and the card issuer have equal liability for anything that goes wrong. You can therefore take action against either of them to get compensation. The legislation is restricted to goods sold for more than 100 and less than 30,000.

What is covered If your end supplier becomes insolvent we will pay up to 1,500 for: 1 Irrecoverable sums paid in advance and prior to departure in the event of the insolvency of the end supplier where such sums do not form part of an inclusive holiday or 2 In the event of the insolvency of the end supplier after departure: a) additional proportionate costs you incur in replacing that part of the arrangements to a similar standard to that originally booked or b) the cost of return transportation to the UK of a similar standard to that originally booked if the cutting short of a journey (curtailment) is unavoidable. PROVIDED THAT in the case of a) and b) above, where practicable you shall have obtained the approval of IPP prior to incurring the relevant costs by contacting IPP as set out in the claims procedure below. What is not covered We will not pay for costs arising from: the insolvency or other financial failure of the travel, accommodation or other end supplier whose services were not booked from within the UK; the insolvency or other financial failure of: a) any end supplier where at the time of the booking or taking out of this insurance (whichever is later) you could have reasonably been expected to know of a reason why the service could not be provided due to the end suppliers insolvency or other financial failure (for example, where there is significant media coverage in the UK about the providers insolvency or other financial failure or where you find out about the insolvency or other financial failure prior to booking) b) any end supplier who is bonded or insured elsewhere (even if the bond is insufficient to meet the claim) c) any travel agent, tour organiser, booking agent or consolidator with whom you have booked the services of an end supplier any loss for which a third party is liable or which can be recovered by other legal means, for example under the Consumer Credit Act. Personal travel insurance Section 16: Financial failure
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Claims Procedure for Financial Failure Cover Any occurrence which could give rise to a claim under this section should be advised as soon as reasonably practicable and in any event within 14 days to: International Passenger Protection Claims Office IPP House 22-26 Station Road West Wickham Kent BR4 0PR Telephone: +44 (0)20 8776 3746 IPP will only accept claims submitted up to six months after the failure. Any claims submitted after the six month period will not be processed. For all other claims under this policy please refer to the Claims Procedure on pages 14 to 16 of this policy. Complaints Procedure for Financial Failure Cover If you have a complaint regarding this section please contact International Passenger Protection Limited directly at: International Passenger Protection Ltd IPP House 22-26 Station Road West Wickham Kent BR4 0PR Having followed the above procedure, if you are not satisfied with the response you may write to the Lead Insurer on behalf of the Insurers: Managing Director ETI Albany House First Floor 14 Bishopric Horsham Sussex RH12 1QN

Personal travel insurance Section 16: Financial failure

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If you are not satisfied with the final decision following referral to the appropriate party above, you can write to the Financial Ombudsman Service at: Financial Ombudsman Service South Quay Plaza 2 183 Marsh Wall London E14 9SR This complaints procedure will not affect your rights to take legal proceedings.

Section 17 Hijack
Value: no cover Standard: up to 500 (50 per 24 hours) Finest: up to 1,000 (100 per 24 hours) What is covered We will pay up to the limits shown above for each complete 24 hour period that you are unable to reach your destination or return to your home because the plane, sea vessel or train you are travelling on is hijacked. What is not covered Please refer to the general conditions on pages 54 to 56. Personal travel insurance Section 16: Financial failure / Section 17: Hijack
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Extra options Winter sports

We will only provide this cover if you have paid the extra premium and you are under 65. If you have chosen the annual multi-trip cover including winter sports, you will automatically be covered for up to 17 days winter sports cover in a year. You will be covered under all sections for all winter sports except for: ski racing in major events ski jumping ice hockey; and using bobsleighs and skeletons. You are not covered for winter sports equipment under section 5 (Personal belongings) of this travel policy. Please see below for details of cover for winter sports equipment. Ski-lift passes are included in the cover provided by Section 7 (Money and documents) of this travel policy. The following extra cover is also included in winter sports.

Section A Winter sports equipment

Value: no cover Standard: up to 500 Finest: up to 750 You will be covered for the replacement cost (after allowing for wear, tear and loss of value) of replacing your snowboard or skis (including bindings), boots and poles if they are lost, stolen or damaged.

Extra options Winter sports

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Section B Winter sports equipment hire

Value: no cover Standard: up to 300 (30 per day) Finest: up to 400 (40 per day) What is covered If your own equipment is lost, stolen or damaged, you will be covered for the reasonable cost of hiring a snowboard or skis (including bindings), boots and poles up to 30 a day for Standard cover and 40 per day for Finest cover. What is not covered for Sections A & B As well as the general conditions on pages 54 to 56, the following conditions apply: 1 You are not covered for the following. (a) Loss of, theft of or damage to your personal belongings during your outward or return journey if you do not get a written carriers report, or a property irregularity report in the case of an airline. If you cannot report the loss, theft or damage to the carrier straight away, you must do so in writing within seven days (b) Loss or theft of your personal belongings at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from them (c) Loss or damage caused by delay, wear and tear, moths, vermin, weather and atmospheric conditions or mechanical failure (d) Loss of, theft of or damage to property left in a vehicle overnight 2 3 4 You are not covered for any amount which you can get back from someone or somewhere else You are not covered for more than 250 for any one snowboard, or pair of skis, boots or poles We will not pay the first 50 for Standard cover and 35 for Finest cover of every claim made for each of you unless you have selected the double excess option in which case your excess will be double that shown above. Your Policy Schedule will indicate whether you have taken the double excess option.

Extra options Winter sports

This does not apply to claims for temporary loss or hire of winter sports equipment under Section B.

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Conditions for Sections A & B As well as the general conditions on pages 54 to 56, the following conditions apply: 1 2 You must take proper care of your belongings and act as if you did not have this insurance policy. The following condition applies to claims for temporary loss of personal belongings. As well as getting an authorised carriers report or property irregularity report from the carrier or handling agent, you must also write to them within 21 days of receiving your property back to confirm you had to buy replacement items. You must keep any damaged property so that we can inspect it. When we make a payment for that property, it will then belong to us.

Section C Ski pack (lessons, hire and lift pass)

Value: no cover Standard: up to 250 Finest: up to 350 What is covered If you fall ill or are injured during the period of insurance, you will be covered for the costs of the part of the ski pack which you cannot use. What is not covered As well as the general conditions on pages 54 to 56, the following exclusion applies: 1 We will not pay for accidental injury, illness or death caused directly or indirectly by your participation in the following winter sports ski-racing, skijumping, off-piste skiing unless accompanied by a qualified guide or instructor, heliskiing, ice hockey, bobsleighing, the use of skeletons, toboggans or luges, freestyle skiing or competitive skiing.

Section D Piste closure

Value: no cover Standard: up to 300 (30 per day) Finest: up to 400 (40 per day) Extra options Winter sports
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What is covered This cover is only available for holidays starting after 10 December and ending before 30 April. If the weather prevents you from skiing at the resort you are booked into, you will be covered for reasonable transport costs to take you to a different resort and for the cost of a lift pass there. If it is not possible to arrange transport to a different resort, you will receive 30 for Standard cover and 40 for Finest cover for each whole days skiing you have lost. What is not covered As well as the general conditions on pages 54 to 56, the following exclusions apply: 1 2 You will not be covered for any amount which you can get back from someone or somewhere else. You will not be covered if you take out this insurance within 14 days of going on the trip, unless you booked the trip at the same time.

Conditions As well as the general conditions on pages 54 to 56, the following conditions apply: 1 2 Cover will only apply for as long as there are poor snow conditions at your resort. You must get written confirmation from the appropriate authority to confirm that the piste was closed or that it was not possible to travel to another resort.

Section E Avalanche closure

Value: no cover Standard: up to 350 (35 per day) Finest: up to 500 (50 per day) What is covered If your arrival at, or departure from, your resort is delayed due to an avalanche or a landslide, you will be covered for reasonable extra travel and accommodation expenses. We will pay either 35 per day for Standard cover or 50 per day for Finest cover for each full 24 hours that you are delayed. What is not covered As well as the general conditions on pages 54 to 56, the following exclusions apply: 1 2 You will not be covered if the tour operator pays for your extra travel and accommodation costs. If you receive compensation from someone or somewhere else, we will take this off your claim.

Extra options Winter sports

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Golf equipment
We will only provide this cover if you have paid the extra premium. If you are going on a golfing trip, we will change your core cover to include the following. You must pay an additional premium.

Section A Golf equipment

Value: no cover Standard: up to 1,000 Finest: up to 1,000 What is covered You will be covered for the replacement cost (after allowing for wear, tear and loss of value) of your golf equipment if it is lost, stolen or damaged. The total limit for hired golfing equipment which is lost, stolen or damaged is 100.

Section B Golf equipment hire

Value: no cover Standard: up to 200 (20 per day) Finest: up to 200 (20 per day) What is covered If your own golf equipment is lost, stolen or damaged, you will be covered for the reasonable cost of hiring replacement clubs as shown in the limits above.

Extra options Golf equipment

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What is not covered As well as the general conditions on pages 54 to 56, the following exclusions apply. 1 You are not covered for the following. (a) Loss, theft or damage to your personal belongings during your outward or return journey if you do not get a written carriers report or a property irregularity report in the case of an airline. If you cannot report the loss or damage to the carrier straight away, you must do so in writing within seven days (b) Loss or theft of your personal belongings at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from them (c) Loss or damage caused by delay, wear and tear, moths, vermin, weather and atmospheric conditions or mechanical failure (d) Loss or theft of or damage to property left in a vehicle overnight. 2 3 You are not covered for any amount you can get back from someone or somewhere else. We will not pay the first 50 for Standard cover and 35 for Finest cover of every claim made for each of you under section A unless you have selected the double excess option in which case your excess will be double that shown above. Your Policy Schedule will indicate whether you have taken the double excess option.

Conditions that apply to sections A and B As well as the general conditions on pages 54 to 56, the following conditions apply. 1 2 You must take proper care of your belongings and act as if you did not have this insurance policy. The following condition applies to claims for temporary loss of personal belongings. As well as getting an authorised property irregularity report from the carrier or handling agent, you must also write to them within 21 days of receiving your property back to confirm you had to buy replacement items. You must keep any damaged property so that we can inspect it. When we make a payment for that property, it will then belong to us. If your claim involves a pair or set, we will only pay the value of the part of the pair or set which is lost, stolen or damaged.

3 4

Extra options Golf equipment

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Section C Green fees

Value: no cover Standard: up to 300 (75 per day) Finest: up to 300 (75 per day) What is covered If you fall ill or are injured during the period of insurance, or if adverse weather prevents you playing golf at a pre-booked course, you will be covered for the costs of the pre paid green fees which you are not able to use as shown in the limits above. What is not covered As well as the general conditions on pages 54 to 56, the following exclusions apply. 1 2 You will not be covered for any amount you can get back from someone or somewhere else. You will not be covered if you take out this insurance within 14 days of going on the trip, unless you booked the trip on the same date.

Conditions As well as the general conditions on pages 54 to 56, the following conditions apply. 1 2 You must get written confirmation from the appropriate authority to confirm that the golf course was closed, if due to adverse weather. If you fall ill or are injured, you must get written evidence of your illness/injury in the form of a medical certificate from a registered doctor.

Extra options Golf equipment

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Wedding cover
We will only provide this cover if you have paid the extra premium. If you are getting married on your trip abroad, we will change your core cover to include the following. You must pay an additional premium.

Section A Additional expenses

What is covered If, before the wedding ceremony, you accidentally damage or lose your wedding attire, wedding rings, or wedding gifts or if they are stolen, you can claim up to the following amounts. Bride and groom wedding attire Value: no cover Standard: up to 1,500 per couple Finest: up to 3,000 per couple Wedding rings Value: no cover Standard: up to 500 per ring Finest: up to 1,000 per ring Wedding gifts We will cover wedding gifts while at the wedding reception up to the limits shown below. Value: no cover Standard: up to 1,000 per couple Finest: up to 2,000 per couple What is not covered As well as the general conditions on pages 54 to 56, the following exclusions apply. 1 You are not covered for the following. (a) Loss, theft or damage to your personal belongings during your outward or return journey if you do not get a written carriers report or a property irregularity report in the case of an airline. If you cannot report the loss or damage to the carrier straight away, you must do so in writing within seven days (b) Loss or theft of your personal belongings at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from them Extra options Wedding cover
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(c) Loss or damage caused by delay, wear and tear, moths, vermin, weather and atmospheric conditions or mechanical failure (d) Loss or theft of or damage to property left in a vehicle overnight (e) Loss or theft of or damage to perishable goods. 2 3 You are not covered for any amount which you can get back from someone or somewhere else. We will not pay the first 50 for Standard cover and 35 for Finest cover of every claim made for each of you unless you have selected the double excess option in which case your excess will be double that shown above. Your Policy Schedule will indicate whether you have taken the double excess option.

Conditions As well as the general conditions on pages 54 to 56, the following conditions apply. 1 2 You must take proper care of your belongings and act as if you did not have this insurance policy. The following conditions apply to claims for temporary loss of personal belongings: (a) as well as getting an authorised property irregularity report from the carrier or handling agent, you must also write to them within 21 days of receiving your property back to confirm you had to buy replacement items; and (b) if your personal belongings are never found and we agree to pay for permanent loss, we will take off any amount already paid for temporary loss. 3 4 You must keep any damaged property so that we can inspect it. When we make a payment for that property, it will then belong to us. If your claim involves a pair or set, we will only pay the value of the part of the pair or set which is lost, stolen or damaged.

Extra options Wedding cover

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General conditions that apply to all sections

1 If, at the time of taking out this insurance (or booking the trip if this was later) your close relative, business associate or travel companion had a medical condition for which he or she: was receiving treatment at hospital (other than where they go to hospital for check-ups for a stable condition, at regular intervals which have been arranged beforehand) was waiting for a hospital consultation, investigations or treatment (other than where they go to hospital for check-ups for a stable condition, at regular intervals which have been arranged beforehand) had been given a terminal prognosis, or been told that their condition is likely to get worse in the next 12 months We will not pay for any claim you (or any insured person) make, that has anything to do with the medical condition of that close relative, business associate or travel companion. 2 You will not be covered for the following: (a) Any claims arising from routine treatment or care which could reasonably be expected to arise during your period of insurance (b) You travelling contrary to the regulations of your transport provider (c) We will not pay for any indirect losses, which result from the incident that caused you to claim. For example replacing locks if you lose your keys (d) If you receive compensation from someone or somewhere else, we will take this off your claim. This does not apply to Section 4 Personal accident (e) Travel to a country or specific area or event which the Foreign and Commonwealth Office or the World Health Organisation has advised the public not to travel to for all, or all but essential travel (f) Any claim caused directly or indirectly by the following: i) ii) Ionising radiation or radioactive contamination from nuclear fuel or nuclear waste, or any risk from a nuclear device or nuclear equipment; Your property being held, taken, destroyed or damaged under the order of any government or other authority;

General conditions that apply to all sections

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iii) Pressure waves caused by aircraft or other flying machines travelling at or above the speed of sound; iv) War, invasion, hostilities (whether war is declared or not), civil unrest, revolution, rebellion, act of foreign enemy or any similar event. (This does not apply to Section 2 Medical and other expenses, while you are away from the United Kingdom. You must follow any relevant suggestions or recommendations made by any government or other authority before or during the period of insurance.); v) Acts of terrorism (This does not apply to Section 2 Medical and other expenses, while you are away from the United Kingdom. You must follow any relevant suggestions or recommendations made by any government or other authority before or during the period of insurance);

vi) The use, release or threat of any nuclear weapon or device or chemical or biological agent; vii) The failure, or fear of failure, of equipment or computer program, whether or not you own it, to recognise or correctly interpret or process any date as the true or correct date, or to continue to work correctly after that date (this does not apply to Section 2 Medical and other expenses) viii) You taking part in any dangerous or hazardous activity which is not either specified in the policy or which we have expressly agreed to provide cover for (g) Any claim related to an incident that you were aware of at the time you took out this insurance and which could lead to a claim (h) Any claim that results from the tour operator, airline, or any other company, firm, or person not being able or not being willing to carry out any part of their obligation to you. (This exclusion does not apply to valid claims under Section 16 Financial Failure, if you have purchased Finest cover). 3 General conditions that apply to all sections
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You must follow any relevant suggestions or recommendations made by any government or other authority before and during the period of insurance. You must do all that you can to keep your claims as low as possible and to prevent theft, loss and damage. If we pay any expenses which you are not covered for, you must pay these back within a month of the end of the period of insurance. If you, or anyone acting for you, deliberately make a false claim or statement, the insurance will end and we will not pay any claims.

4 5 6

We may take action in your name to get compensation or security for loss, damage or expenses covered by this insurance. You will not pay anything towards this action, but any amount or security handed over will belong to us. If we have to pay any amounts under the law of another country and we would not usually have to pay these amounts under the policy, you must repay the amounts to us. All the sums insured and limits set out in this policy include VAT.

10 The premium for this insurance includes insurance premium tax where necessary. 11 If we pay a claim because your trip is cancelled, we will not pay a claim under any other section of the policy for the same trip. 12 If we agree to a claim for medical expenses which has been reduced because you have used an EHIC or private health insurance, you will not have to pay the excess. Signed for the insurers

Mark Cliff Managing Director Ageas Insurance Limited

General conditions that apply to all sections

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Voicing your concerns

In the event that you are not happy with any aspect of our service, we want to put things right as quickly as possible. We therefore adopt the following complaints procedure:

Let your usual point of contact know

We need to know the nature of your complaint and how you think the problem should be resolved. You can do this by telephoning us on the number shown on any of our letters or writing to us at the relevant address below. If you have any cause for complaint regarding a claim please contact: The Customer Services Advisor Ageas Insurance Limited Ageas House Tollgate Eastleigh Hampshire SO53 3YA We will always aim to resolve your complaint at this stage. If the matter has not been sorted out to your satisfaction, you can write to Mark Cliff, Managing Director at the Ageas House address. If you have any cause for complaint regarding the way in which your policy was sold to you or medical screening please contact: The Compliance Manager Prospect House Gordon Banks Drive Trentham Lakes North Stoke on Trent ST4 4TW We will always aim to resolve your complaint at this stage. However, if for any reason you remain dissatisfied, you should escalate the matter by writing to The Managing Director at the Prospect House address. Voicing your concerns
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Service standards
We will try to resolve your complaint by the end of the next business day. If we are unable to do this, we will write to you within two working days to either: Tell you what we have done to resolve the problem; or

 Acknowledge your complaint and let you know when you can expect a full response. We will also let you know who is dealing with the matter. We will always aim to resolve your complaint as quickly as possible. If there is any delay in our handling of your concerns, we will give you a holding response that gives reason for the delay and indicates when we will be able to provide a full response.

Contact the Financial Ombudsman Service

You can ask the Financial Ombudsman Service to review your complaint if for any reason you are still dissatisfied with our final response, or if we have not issued our final response within eight weeks from when you first raised the complaint. You can contact the Financial Ombudsman Service at the address below; however they will only consider your complaint once you have tried to resolve it with us. Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR For complaints relating to either Section 14 Legal Expenses or Section 16 Financial Failure cover please refer to the individual policy sections. This complaints procedure will not affect your rights to take legal proceedings.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). If we cannot meet our obligations you may be entitled to compensation under the scheme. The scheme covers at least 90% of any claim with no upper limit.

Insurers
The insurers are Ageas Insurance Limited, DAS Legal Expenses Insurance Company Limited for Section 13 and International Passenger Protection Limited for Section 16. Ageas Insurance Limited, DAS Legal Expenses Insurance Company Limited and International Passenger Protection Limited are all authorised and regulated by the Financial Services Authority.

Voicing your concerns

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Know before you go checklist

We recommend that you do the following things before you go on holiday: 1 2 3 Check the Foreign and Commonwealth Office (FCO) travel advice website at www.fco.gov.uk or call 0870 6060 290. Get travel insurance and read the policy carefully to make sure that the cover is suitable for your needs. For your own protection, try to make sure that the company you book your trip through belongs to a trade organisation for example, one that uses the letters ABTA or ATOL. Take enough money with you for your trip but, where possible, use travellers cheques rather than money. Make sure you have a valid passport and the visas you need. Check what vaccinations you need and whether you need to take extra health precautions in good time before you travel. Plan to avoid trouble, find out about local laws and customs, and take a guidebook. Make copies of your passport and insurance policy, plus the 24-hour emergency number and ticket details leave copies with family and friends. Leave a copy of your travel plans and a way of contacting you, such as an e-mail address, with family and friends.

4 5 6 7 8 9

Know before you go checklist

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Data Protection Notice

This notice contains important information about the use of your personal information. Please make sure that you read this notice carefully. In this notice, we, us and our means Tesco Personal Finance plc (trading as Tesco Bank) and the insurers who underwrite your policy (as set out under paragraph 1 of your Contract of Insurance) and any holding companies or subsidiaries of those insurers. Your personal information means any information given to us about you by you or anyone else in connection with any product or service we are providing to you. By taking out this insurance policy, you confirm that we may use your personal information for the purposes explained below. As the terms of this notice will also apply to anyone else insured under your policy, you should show this notice to anyone else whose personal information you give to us and ensure you have their consent to provide their personal data, including sensitive personal data, where necessary, in connection with your insurance policy. Your privacy is very important to us. We promise to respect and protect your personal information and try to make sure that your details are accurate and kept up to date. You should let us know whenever your personal details change.

How we use your personal information

We will use your personal information which has been given to us to manage your insurance policy and associated services including other Tesco Bank products, including handling underwriting and claims. These activities may involve us in releasing personal information with other insurers, regulatory authorities or agents providing services on our behalf. Some of these agents may be based outside the EEA but we will make provision for your personal information to be protected whilst being transferred to and processed in these countries. We may also use your personal information and the information about your use of our products and services to carry out research and analysis about our products and services, as well as to service your needs in connection with your policy. We may use e-mail, telephone, post or other means to do this. If you would like to change your marketing preference please call the customer service number shown on your policy documents. You may contact us at anytime to give notice to stop data being used for marketing purposes.

Data Protection Notice

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We will only release your personal information to others: if we need to do this to manage your policy with us; in connection with any research or analysis that we are carrying out; we need to do so to prevent fraud; we are required or permitted to do this by law (for example, if we receive a legitimate request from the police or another authority); or there are other circumstances where you have given your permission. If we change the way that we use your personal information, we will write to you to let you know. If you do not agree to that change in use, you must let us know as soon as possible.

Monitoring and recording calls

We may record or monitor telephone calls for training purposes, to improve the quality of our service and to prevent and detect fraud.

Sharing information to prevent fraud

We may share information which we hold and which has been supplied to us in connection with any application for insurance that you have made or any insurance policy which you have with us with operators of registers used by the insurance industry to check information that is given to us and prevent fraudulent claims. These include the Claims and Underwriting Exchange register, run by Insurance Database Services Limited and other similar databases or fraud prevention agencies established for the same purpose. When you tell us about an incident we will pass information relating to that incident to these registers.

Dealing with others on your behalf

To help you manage your insurance policy, we will deal with you or your husband, wife or partner or any other person whom we reasonably believe to be acting for you if they call us on your behalf in connection with your policy and answer our security questions. Data Protection Notice
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Sensitive information
Some of the personal information that we ask you to provide is known as sensitive personal data. This will include information relating to your health, race, religion and any criminal convictions that you have. We will only use sensitive personal data about you to manage your policy and to provide the services described in your policy documents.

Further information
You are entitled to receive a copy of the information we hold about you. Please contact our Data Protection Officer, giving your name, address and insurance policy number. We are entitled to charge you a small administrative fee for this. Details will be provided at the date of request. Ageas Insurance Limited Registered address Ageas House Tollgate Eastleigh Hampshire SO53 3YA Website: www.ageas.co.uk Registered number 354568. Ageas Insurance Limited is authorised and regulated by the Financial Services Authority.

Data Protection Notice

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Tesco Travel Insurance phone numbers

Onecall Claims Line Assistance International Medical Emergency Assistance International Medical Emergency
(USA & Canada)

0845 677 7555 +44 23 8064 4633

Lines open 24 hours a day, 365 days a year.

Lines open 24 hours a day, 365 days a year.

011 44 23 8064 4633

Lines open 24 hours a day, 365 days a year.

Assistance International Medical Emergency

(Europe)

00 44 23 8064 4633

Lines open 24 hours a day, 365 days a year.

Financial Failure Claims Line

+44 (0)20 8776 3746

Lines are open between 8.30am and 5pm Monday to Friday.

We could help you save on other insurance too

Car Insurance Home Insurance Pet Insurance Breakdown Cover

0845 301 0731 0845 301 0940 0845 078 3801 0845 878 7231

Lines are open between 8am and 9pm Monday to Friday, 9am to 5pm on Saturdays and 10am to 5pm on Sundays. Lines are open between 8am and 9pm Monday to Friday, 9am to 5pm on Saturdays and 10am to 5pm on Sundays. Lines are open between 8am and 8pm Monday to Friday, 9am to 5pm on Saturdays and 10am to 5pm on Sundays. Lines are open between 8am and 9pm Monday to Friday, 8.30am to 5pm on Saturdays and 10am to 4pm on Sundays.

tescobank.com
Tesco Car and Home Insurance and their add-on insurance products are arranged by Tesco Bank acting as an insurance intermediary and are underwritten by a select range of insurers. Tesco Pet Insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance plc. Tesco Breakdown Cover is administered and underwritten by RAC Motoring Services and/or RAC Insurance Limited.

If you have problems with your hearing or speech, contact us by Typetalk by adding 18001 to the start of any of the numbers above.
For your protection, telephone calls will be recorded and may be monitored. Tesco Travel Insurance is provided by Ageas Insurance Ltd and DAS Legal Expenses Insurance Company Ltd for Legal Expenses cover. The Financial Failure cover is provided by International Passenger Protection Ltd and is underwritten by a consortium of insurers comprising Europaische, Groupama, Novae and Sagicor. Ageas Insurance Limited is authorised and regulated by the Financial Services Authority. Registered in England and Wales with number 354568. Registered office: Ageas House, Tollgate, Eastleigh, Hampshire, SO53 3YA.

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T474 (08/10)