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Policy Wording - Cedar Tree Travel Insurance

1. E d ie a ceda rt ree CEDARTREE POLICY WORDING travel insurance x NEI TE Uii CONTENT Policy Summary Introduction Definitions General conditions applicable to the whole policy Claims conditions Important conditions relating to health What is not covered applicable to all sections of the policy Sports and activities covered How to contact us in an emergency Section A Cancellation or curtailment charges Section B Emergency medical and other expenses Section C Hospital benefit Section C1 Pet Care Section D Personal accident Section E baggage Section E1 Gadget cover Section E2 Gadget cover extension Section F Personal money passport and documents Section G Personal liability 3 Section H Delayed departure 11 Section Missed departure 12 Section J Legal expenses and assistance 14 Section K Hijacking 14 Section L Mugging cover 15 Section M1 Schedule Airline Failure Insurance 16 Section M2 End Supplier Failure 17 Sections N Ski equipment 19 Section O Ski equipment hire 20 Section P Ski pack 21 Section Q Piste closure 22 Section R Avalanche or landslide cover 23 Section S Physiotherapy in the United Kingdom 23 Section T Travel disruption cover 24 Section U Golf cover 24 Section V Wedding Civil partnership cover 24 Section W Cruise cover 27 Section X Business travel 28 Making a complaint A ay cedartree ava travel insur
2. 1 You must report to the local Police in the country where the incident oc curred within 24 hours of discovery or as soon as possible after that and get at your own expense a written report of the loss theft or attempted theft of all baggage and or valuables 2 If baggage and or valuables are lost stolen or damaged while in the care of a carrier transport company authority hotel or your accommodation provider you must report details of the loss theft or damage to them in writing and get at your own expense written confirmation 3 If baggage is lost stolen or damaged whilst in the care of an airline you must give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage please keep a copy What is not covered 1 The excess as shown in the schedule of benefits for each and every claim per incident claimed for under this section by each insured person unless the excess waiver has been purchased as detailed in your policy schedule 2 Loss theft of or damage to valuables bank notes and currency notes left unattended at any time including in a vehicle in checked in luggage or while in the custody of a carrier tour operator or public transport operator unless deposited in a hotel safe safety deposit box or left in your locked accommodation 3 Loss theft or damage to gadgets Claims for gadgets should be made under section Y Gadget cover 4 Loss theft of o
3. Terms and conditions This insurance is arranged by Taurus Insurance Services Limited Taurus an insurance intermediary licenced and authorised in Gibraltar by the Financial Services Commission under Licence Number FSC00757B and authorised by the Financial Conduct Authority in the UK under registration number 444830 A 4y cedartree travel insurance DIRECT 1 10 2015 v1 1 24 The Insurers are Amtrust Europe Limited referred to as we us our in this gadget Insurance section of the policy and are authorised by the Pruden tial Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register number 202189 A Member of the Association of British Insurers Registered in England company number 1229676 Registered address Market Square House St James s Street Nottingham NG1 6FG We the Insurers have entered into a Binding Authority Contract reference number WUKGAD148030 with Taurus Insurance Services Limited under which we have authorised Taurus to issue these documents on our behalf The administrator is Citymain Administrators Limited Enterprise House Is ambard Brunel Road Portsmouth PO1 2RX Registered in England company number 3976666 Citymain Administrators Limited is authorised and regu lated by the Financial Conduct Authority under registration number 306535 Confirmation of cover When you purchased your Gadget Insurance you selected
4. war games paintballing wearing eye protection water skiing water ski jumping wind tunnel flying pads and helmets to be worn ten pin bowling trampolining trekking hiking walking hill walking up to 2 500 metres above sea level walking up to 2 500 metres above sea level water polo amateur whale watching yachting if qualified LEVEL 1 SPORTS AND ACTIVITIES COVERED IF THE APPROPRIATE ADDITIONAL PREMIUM HAS BEEN PAID blokarting dune wadi buggying bashing elephant polo fruit or vegetable picking gymnastics hockey marathon running not profes sional mud buggying rap jumping running retail trade including manual work but not including the use of manual tools or machinery river tubing shinty street luge wadi dune buggying bashing body building dune sliding field hockey gorilla trekking high diving lacrosse minjin swinging parasailing parascending over water restaurant bar work rhino trekking roller hockey street hockey wearing pads and helmets superintendence of manual work LEVEL 2 SPORTS AND ACTIVITIES COVERED IF THE AP PROPRIATE ADDITIONAL PREMIUM HAS BEEN PAID bamboo rafting elephant polo heptathlon amateur only husky dog sledding organised non competitive and with expe rienced local guide and adequate training in driving and handling the huskies manual work but not including the use of power tools and machinery scu
5. 50 7 500 Nil your trip after 12 hours delay or 3 000 including up 50 to 200 for taxis and 5 000 including up 50 to 200 for taxis and hire cars and 500 hire cars and 500 fol following loss of lowing loss of passport passport or visa or visa 7 500 including up Nil to 200 for taxis and hire cars and 750 following loss of Passport or visa Additional expenses to reach your destination A ay cedartree ava travel insurance DIRECT 1 10 2015 v1 1 Cover Section Delayed departure compensation including delays to outbound connections Abandonment of your trip following missed departure in the United King dom or you not being able to reach your United Kingdom destination for trips solely within the United Kingdom Missed departure expenses to enable you to continue your trip if you miss your outbound connections While you are at your destination Alternative accommodation if your booked accommodation cannot be used or abandonment of trip On the way home Additional expenses to return home or if you have to stay longer abroad Delayed departure compensation including delays to inbound con nections Missed departure expenses to enable you to return home if you miss your inbound connections including those within the United Kingdom Silver 25 for each 12 hour delay up to 150 3 000 250 including up to 200 for taxis and hire cars 3 000 3
6. Wedding attire Photographs video recordings 300 per person 500 150 cash per couple 1 000 per person 500 per couple 50 50 50 50 500 per person 50 750 150 cash 50 per couple 1 500 per person 50 750 per couple 50 1 000 per person 1 000 150 cash per couple 2 000 per person 1 000 per couple Nil Nil Nil Nil Baggage Single Item Pair Set Limit Valuables Limit Unused Excursions 2 500 400 500 300 50 50 3 000 50 500 500 500 50 3 500 750 500 750 Nil Nil Business Equipment Single Article Limit Valuables Limit Replacement Business Associate 750 per person 350 350 per person 3 000 per couple 50 50 50 50 1 000 per person 50 500 50 500 per person 50 5 000 per couple 50 1 500 per person 750 750 per person 7 500 per couple Nil Nil Nil Nil excess The amount stated in the schedule of benefits above that you will be responsible for paying under each section by each insured person per incident in the event of a claim Unless you have paid the additional premium to waive the excess as stated in your policy schedule Special definition relating to sections E1 Gadget Cover and E2 Gadget Cover Extension Under section E1 Gadget Cover and E2 Gadget Cover Extension the excess is the amount detailed in your insurance s
7. under this section by each insured person unless the excess waiver has been purchased as detailed in your policy schedule 2 Claims arising directly or indirectly from a Strike or industrial action existing or being publicly announced by the date you purchased this insurance or at the time of booking any trip b An accident to or breakdown of the vehicle in which you are travelling when a repairers report or other evidence is not provided c Breakdown of any vehicle owned by you which has not been serviced properly and maintained in accordance with manufacturer s instructions d An aircraft or sea vessel being withdrawn from service temporary or otherwise on the recommendation of the Civil Aviation Authority Port Authority or any such regulatory body in a country to from which you are travelling e Your failure to arrive at the departure point in time to board any con necting public transport after your departure on the initial international outbound and return legs of the trip f Volcanic eruptions and or volcanic ash clouds except claims under subsection 1 of What is covered g Trips solely within the United Kingdom c Additional expenses where the scheduled public transport operator has offered reasonable alternative travel arrangements within 12 hours of the scheduled time of departure 3 Anything mentioned in What is not covered applicable to all sections of the policy Claims evidence We will require
8. visiting the MEDICARE website on www medicareaustralia gov au or by emailing medicareaustralia gov au Alternatively please call the Emergency Medical Assistance Service for guidance If you are admitted to hospital you should contact the Emergency Medical Assistance Service as soon as possible for any treatment not available under MEDICARE State in patient and out patient treatment New Zealand United Kingdom citizens on a short term visit to New Zealand are eligible for treatment medical hospital and related on the same basis as citizens of New Zealand If the treatment relates to an existing medical condition or a new condition arises then a medical practitioner must agree in each case that prompt treatment is needed before your trip ends if treatment is to be provided under the reciprocal agreement You will also need to show your UK passport You will however have to pay the same charges as New Zealanders for treat ment at a doctor s surgery or for prescribed medication Private treatment Worldwide If you are admitted to a private hospital or clinic and no medically suitable state facility is available you or someone on your behalf should contact the Emergency Medical Assistance Service as soon as possible before know ingly incurring any expenses over 500 The Emergency Medical Assistance Service will then arrange for the medical expenses covered by the policy to be paid direct to the hospital clinic Outpatient Treatment
9. 000 including up to 200 for taxis and hire cars and 500 following loss of passport or visa 25 foreach 12 hour delay up to 150 250 including up to 200 for taxis and hire cars Excess Nil 50 50 50 50 Nil 50 Gold Excess Platinum 25 for each 12 hour Nil delay up to 250 5 000 50 500 including upto 50 200 for taxis and hire cars 5 000 50 5 000 including up 50 to 200 for taxis and hire cars and 500 fol lowing loss of passport or visa 25 for each 12 hour Nil delay up to 250 500 including upto 50 200 for taxis and hire cars 50 for each 12 hour delay up to 500 7 500 1 000 including up to 200 for taxis and hire cars 7 500 7 500 including up to 200 for taxis and hire cars and 500 following loss of passport or visa 50 for each 12 hour delay up to 500 1 000 including up to 200 for taxis and hire cars Excess Nil Nil Nil Nil Nil Nil Nil Golf equipment Single Item Pair Set Limit Golf equipment Hire Non Refundable Golf Fees 1 000 250 25 per day up to 250 25 per day up to 250 50 Nil Nil 1 500 50 375 35 per day up to Nil 350 35 per day up to Nil 350 2 000 500 50 per day up to 500 50 per day up to 500 Nil Nil Nil Section V Wedding rings Wedding gifts
10. Excluding North America and the United King dom HEALTHWATCH s a If you require outpatient treatment you must provide a copy of your policy schedule to the treating doctor clinic at the time of treatment so that they can contact HealthWatch S A except for North America and the United Kingdom to obtain authorisation for your treatment in line with your policy wording You will need to pay any excess at the time of treatment Please note Some clinics my not wish to settle their bill directly with us and you may be asked to pay for your treatment and claims this back upon your return For United Kingdom and North America outpatient cases please contact Tel 44 0 2920 474139 Instructions to Doctors Clinics In order to have your invoices paid quickly please send your invoice togeth er with a copy of the policy schedule clearly showing the policy number and names and any supporting documentation related to the outpatient treatment Medical report cost breakdown by email to newcase health watch gr You must include your bank account details IBAN no s and or Swift code for payment to be processed electronically Out Patient Department Fax 00 30 2310256455 or 0030 2310 254160 E mail newcase healthwatch gr Out Patient Department Tel 00 30 2310256454 A ay cedartree 19 travel insurance DIRECT 1 10 2015 v1 1 A SECTIONA CANCELLATION OR CURTAILMENT CHARGES What is covered We will pay you up to the amount sho
11. Financial Conduct Authority in the UK under Register Number 429383 Ava Providers under this policy AXA Insurance Sections A E F L and N X of this policy are insured by AXA Insurance UK plc who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202312 This can be checked on the Financial Services Register by visiting the FCA s website at www fca org uk or by con tacting them on 0800 111 6768 How your information will be used by AXA Insurance and who we share it with Any personal information supplied to AXA Insurance UK plc will be treated in accordance with the Data Protection Act 1998 and other legislation intended to protect Your personal information and privacy We will hold and use information about You supplied by You and by medical providers Information will be used for analytical purposes to manage and administer products and services that We supply claims handling and to assist Us in improving Our products and services We may send it in confidence for processing to other companies acting on Our instructions including those located outside the European Economic Area Please note insurers exchange information with various databases to help check the information provided and prevent fraudulent claims AmTrust Europe Limited Sections E1 and E2 of this policy are insured by Amtrust Europe Limited autho
12. but essential travel to the country or spe cific area you are travelling to providing the advice came into force after you purchased this insurance or booked the trip whichever is the later and was within 28 days of your departure date or d The insolvency of the accommodation providers or their booking agents fire flood earthquake explosion volcanic eruption and or volcan ic ash clouds tsunami landslide avalanche hurricane storm civil com motion and or civil unrest not assuming the proportions of or amounting to an uprising or an outbreak of food poisoning or an infectious disease meaning you cannot use your booked accommodation or e The accidental loss of theft of or damage to your passport and or visa prior to or after leaving your home to commence the trip and no replacement could be obtained within 12 hours of the scheduled time of departure to allow you to make alternative travel arrangements 2 We will pay you up to the amount shown in the schedule of benefits for your proportion only of any reasonable additional travel including up to the limit detailed for taxis and hire cars and accommodation costs which are of a similar standard to that of your pre booked travel and accommo dation but on a room only basis that you cannot claim back from any other source if you have to make alternative arrangements to reach your destination or in the case of a cruise to join your ship at the next possible port of call as a res
13. caused by sudden unexpected exter nal and visible means including injury as a result of unavoidable exposure to the elements Business equipment means items used by you and which belong to you in support of your business activity including office equipment which is portable by design including but not restricted to personal computers telephones and calcu lators Business trip means a trip taken wholly or in part for business purposes but excluding manual work Close business associate means any person whose absence from business for one or more complete days at the same time as your absence prevents the proper continuation of that business Close relative means mother father sister brother wife husband civil partner daughter son grandparent grandchild parent in law son in law daughter in law sister in law brother in law step parent step child step sister step brother foster child legal guardian domestic partner or fianc fianc e Couple means you and your close relative who lives with you in a domestic relationship at the same address as you for at least six months at the time of purchasing this policy Curtailment Curtail Curtailed means either a you abandoning or cutting short the trip after you leave your home by direct early return to your home in which case claims will be calculated from the day you returned to your home and based on the number of complete days of your trip you h
14. claims 1 You must report to the local Police or Port Authority in the country where the incident occurred or where appropriate the ships purser or the cruise operator s representative within 24 hours of discovery or as soon as possible after that and get at your own expense a written report of the loss theft or attempted theft of all baggage and or valuables 2 If baggage and or valuables are lost stolen or damaged while in the care of a carrier transport company authority hotel or your accommodation provider you must report details of the loss theft or damage to them in writing and get at your own expense written confirmation 3 If baggage is lost stolen or damaged whilst in the care of an airline you must give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage please keep a copy What is not covered 1 The excess as shown in the schedule of benefits for each and every claim per incident claimed for under this section by each insured person unless the excess waiver has been purchased as detailed in your policy schedule 2 Loss theft of or damage to valuables left unattended at any time includ ing in a vehicle in checked in luggage or while in the custody of a carrier tour operator or public transport operator unless deposited in a hotel or ship s safe safety deposit box or left in your locked cabin or other accommo dation 3 Loss theft of or damage
15. confirm the necessity to return home prior to curtailment of the trip due to death bodily injury illness or disease 2 If you fail to notify the travel agent tour operator or golf club as soon as you find out it is necessary to cancel the trip the amount we will pay will be limited to the cancellation charges that would have otherwise applied 3 If you cancel the trip due to a stress anxiety depression or any other mental or nervous disorder that you are suffering from you must provide at your own expense a medical certificate from either a registered mental health professional if you are under the care of a Community Mental Health Team or if not a consultant specialising in the relevant field or b any other bodily injury illness disease or complications arising as a direct result of pregnancy you must provide at your own expense a medical certificate from a medical practitioner stating that this necessar ily and reasonably prevented you from travelling We need the medical certificate completed as soon as you find out it is necessary to cancel the trip as any delay in seeing a medical practitioner could mean that your symptoms are no longer present If you cannot get an immediate appointment please make one for as early as possible and keep all details of this to help substantiate your claim 4 You must report to the local Police in the country where the incident occurred within 24 hours of discovery or as soon as possi
16. each insured person b Wedding gifts including up to 150 for bank notes and currency notes taken or purchased on the trip for the insured Couple c Wedding attire which is specifically to be worn by the insured Couple on their wedding day The amount payable will be the value at today s prices less a deduction for wear tear and depreciation loss of value or we may replace reinstate or repair the lost or damaged baggage and or valuables 2 We will pay the insured Couple up to the amount shown in the schedule of benefits for the reasonable additional costs incurred to reprint make a copy of or retake the photographs video recordings either at a later date during the trip or at a venue in the United Kingdom if a the professional photographer who was booked to take the photo graphs video recordings on your wedding day is unable to fulfil their obligations due to bodily injury illness or unavoidable and unforeseen transport problems or b the photographs video recordings of the wedding day taken by a professional photographer are lost stolen or damaged within 15 days after the wedding day and whilst you are still at the holiday honeymoon location You can only claim under one of either this section Section E baggage Section F Personal money or Section W Cruise cover for loss of theft of or damage to the items of baggage and or valuables shown above arising from the same event Special conditions relating to claims
17. equipment 2 If ski equipment is lost stolen or damaged while in the care of a carrier transport company authority hotel or your accommodation provider you must report details of the loss theft or damage to them in writing and get at your own expense written confirmation 3 If ski equipment is lost stolen or damaged whilst in the care of an airline you must give formal written notice of the claim to the airline within the time limit set out in their conditions of carriage please keep a copy What is not covered 1 The excess as shown in the schedule of benefits for each and every claim per incident claimed for under this section by each insured person unless the excess waiver has been purchased as detailed in your policy schedule 2 Loss theft of or damage to ski equipment contained in or stolen from an unattended vehicle A ay cedartree travel insurance DIRECT 1 10 2015 v1 1 33 a overnight between 9 pm and 9 am local time or b at any time between 9 am and 9 pm local time unless i it is locked out of sight in a secure baggage area and ii Violent and Forcible Entry has been used by an unauthorised person to gain entry into the vehicle and evidence of this entry is available 3 Loss or damage due to delay confiscation or detention by customs or any other authority 4 Loss or damage caused by wear and tear depreciation loss in value atmospheric or climatic conditions moth vermin any process of c
18. for private purposes Pre paid charges means charges you have paid before you travel or are contracted to pay for including but not limited to the following car hire car parking airport accommodation airport lounge access kennel and cattery fees excursions where cover under Section U Golf cover is operative green fees and where the appropriate winter sports premium has been paid ski school fees lift passes and hired ski equipment Pre existing medical conditions means Any of the following medical conditions from which you have suffered from or received medical advice treatment or prescribed medication within the last 5 years including surgery tests investigations and check ups by your doctor consultant specialist Any respiratory condition relating to the lungs or breathing includ ing asthma bronchitis and chronic obstructive pulmonary disease Any heart related or blood circulatory condition including but not limited to high blood pressure and high cholesterol Any cancerous conditions including leukaemia non hodgkin s lymphoma and any type of skin cancer Any neurological condition including stroke brain haemorrhage multiple sclerosis epilepsy and dementia Any psychological or psychiatric condition including stress anxiety or depression Any diabetic condition Any renal kidney or liver condition Any chronic condition that can be controlled but not cured includ ing b
19. or occupation 9 Loss or damage caused by wear and tear depreciation loss of value at mospheric or climatic conditions moth vermin any process of cleaning repairing or restoring mechanical or electrical breakdown 10 Anything mentioned in What is not covered applicable to all sections of the policy Claims evidence We will require at your own expense the following evidence where rele vant A police report from the local Police or Port Authority in the country where the incident occurred or where appropriate the ships purser or the cruise operator s representative for all loss theft or attempted theft A Property Irregularity Report from the airline or a letter from the carrier where loss theft or damage occurred in their custody A letter from your cruise operator s representative hotel or ac commodation provider where appropriate including details of any missed shore trip All travel tickets and tags for submission An original receipt proof of ownership or valuations for items lost stolen or damaged Repair report where applicable Confirmation in writing from the ship s doctor or other treating medical practitioner of the dates when you were confined to your cabin Details of any household travel or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00
20. parts of your gadget have been stolen we will only replace that part or parts C Malicious Damage If your gadget is damaged as a result of intentional or deliberate actions of someone else we will repair it Where only part or parts of your gadget are damaged we will only replace that part or parts D Loss If your gadget is lost we will replace it Where only part or parts of your gadget have been lost we will only replace that part or parts E Unauthorised Usage If your gadget is lost or stolen and the loss or theft is covered by your pol icy we will refund the cost of unauthorised calls messages and downloads made from it after the time it was lost or stolen Cover will only apply to unauthorised usage within 24 hours of discovery of the loss or theft of your gadget Itemised bills must be provided to support your claim This cover will only apply if there is no protection from such losses from your network provider The limits of our liability The most we will pay The most we will pay for any one claim will be the replacement value of your gadget and in any case shall not exceed our maximum liability for your chosen level of cover as shown in your schedule In the event that your claim is authorised It will be at our sole discretion to either repair your gadget of if your gadget is deemed beyond economical repair or subject to a theft or loss and will therefore have to be replaced we will endeavour to replace it with an
21. prevention and credit agencies to a Help make decisions about credit services for you and members of your household b Help make decisions on insurance policies and claims for you and members of your household c Trace debtors recover debt prevent fraud and to manage your insur ance policies d Check your identity to prevent money laundering 6 Undertake credit searches and additional fraud searches A ay cedartree 11 travel insurance DIRECT 1 10 2015 v1 1 These definitions apply throughout your policy booklet Where we explain what a word means that word will appear highlighted in bold print and have the same meaning wherever it is used in the policy We have listed the definitions alphabetically Baggage means luggage clothing personal effects and other articles but excluding valuables ski equipment golf equipment business equipment gadgets personal money and documents of any kind which belong to you or for which you are legally responsible which are worn used or carried by you during any trip See definition of ski equipment golf equipment business equipment gadgets and personal money for articles covered under either Section N Ski equipment Section T Golf Cover Section X Business Cover Section E1 and E2 Gadget Cover or Section F Personal money Passport and docu ments when the appropriate premium has been paid as detailed in your policy schedule Bodily injury means an identifiable physical injury
22. relevant to the claim detailed under Claims evidence at the end of each section You should refer to the particular section under which you are claiming for further details of the evidence that we need to deal with your claim We reserve the right to require you to undergo an independent medical examination at our expense We may also request and will pay for a post mortem examination You must retain any property which is damaged and if requested send it to us at your own expense If we pay a claim for the full value of the property and it is then recovered it will then become our property We may refuse to reimburse you for any property which you cannot provide proof of ownership such as an original receipt a valuation original user manual or bank or credit card statements 2 Transferring of rights We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against any other party Ava You must comply with the following conditions to have the full protection of your policy You must tell us of all your pre existing medical conditions If you fail to declare all pre existing medical conditions we may refuse to deal with or reduce the amount of any relevant claims even if a claim is not related to an undisclosed pre existing medical condition It is a condition of this policy that you will not be covered under Section A Cancellation or curtailmen
23. schedule of benefits for your proportion only of any unused travel accommodation and other pre paid charges that you cannot claim back from any other source if you fail to a arrive at the departure point in the United Kingdom in time to board the public transport on which you are booked to travel on for the initial international outbound leg of the trip or b reach your final destination in the case of a trip solely within the Unit ed Kingdom as a result of any of the following events i the failure of other public transport or ii an accident to or breakdown of the vehicle in which you are travel ling or iii an accident or breakdown happening ahead of you on a public road which causes an unexpected delay to the vehicle in which you are travelling or iv strike or industrial action or v adverse weather conditions preventing you from leaving your home travelling by road rail or any other means to your final destination or reaching the international departure point or your final destination in the United Kingdom because they are inaccessible due to the weather conditions and despite making or attempting to make alternative arrangements to reach your destination you choose to cancel your trip before depar ture from the United Kingdom or before reaching your destination in the case of a trip solely within the United Kingdom because no suitable alternative public transport or other transport facilities could be provide
24. tear and depreciation loss of value or we may replace reinstate or repair the lost or damaged baggage and or valuables The maximum we will pay you for any one article pair or set of items articles is shown in the schedule of benefits The maximum amount we will pay for all valuables is shown in the schedule of benefits 2 We will also pay you up to the amount shown in the schedule of benefits for the emergency replacement of clothing medication and toiletries if your baggage is temporarily lost in transit during the outward journey and not returned to you within 12 hours as long as we receive written confirmation from the carrier confirming the number of hours the baggage was delayed If the loss is permanent we will deduct the amount paid from the final amount to be paid under this section If items of baggage and or valuables are also covered under Section V Wedding Civil partnership cover or Section W Cruise cover you can only claim for these under one section for the same event Special conditions relating to claims 1 You must report to the local Police in the country where the incident oc curred within 24 hours of discovery or as soon as possible after that and get at your own expense a written report of the loss theft or attempted theft of all baggage and or valuables 2 If baggage and or valuables are lost stolen or damaged while in the care of a carrier transport company authority hotel or your accommoda
25. the Emergency Medical Assistance Service notifying and dealing with the problem for which you are able to provide receipts or other reasonable evidence to show the cost of the calls and the numbers you telephoned b incurred by you when you receive calls on your mobile phone from the Emergency Medical Assistance Service for which you are able to provide receipts or other reasonable evidence to show the cost of the calls 4 The cost of taxi fares for your travel to or from hospital relating to your admission discharge or attendance for outpatient treatment or appoint ments and or for collection of medication prescribed for you by the hospital 5 If you die a outside your home area the reasonable additional cost of funeral Ava expenses abroad up to the amount shown in the schedule of benefits plus the reasonable cost of returning your ashes to your home or the additional costs of returning your body to your home b within your home area the reasonable additional cost of returning your ashes or body to your home up to the amount shown in the sched ule of benefits 6 Reasonable additional transport and or accommodation expenses incurred up to the standard of your original booking for example full or half board all inclusive bed and breakfast self catering or room only if it is medically necessary for you to stay beyond your scheduled return date This includes with the prior authorisation of the Emergency Medical Assistance
26. to provide cover In addition any trip solely within your home area is only covered where you have pre booked at least two nights accommodation in a hotel motel holiday camp bed and breakfast holiday cottage or similar accommodation rented for a fee Each trip under annual multi trip cover is considered to be a separate insurance with the terms definitions What is not covered and conditions contained in this policy applying to each trip Where we have agreed to cover your medical condition this applies to each trip during the period of insurance Unattended means when you are not in full view of and not in a position to prevent unauthorised interference with your property or vehicle United Kingdom means England Scotland Wales Northern Ireland the Isle of Man and the Channel Islands Valuables means jewellery gold silver precious metal or precious or semiprecious stone articles watches furs CD s DVD s tapes films cassettes cartridges computer games telescopes and binoculars Violent and Forcible Entry means entry evidenced by visible damage to the fabric of the building room or vehicle at the point of entry We Us Our means AXA Insurance UK plc Registered in England No 78950 Registered Office 5 Old Broad Street London EC2N 1AD A ay cedartree 13 travel insurance DIRECT 1 10 2015 v1 1 Except for cover provided under sections E1 and E2 gadget cover and sec tions M1 Scheduled air
27. treatment or services provided by a convalescent or nursing home or any rehabil itation centre Any additional period of hospitalisation following your decision not to be repatriated after the date when in the opinion of emergency medical assistance service it is safe to do so Anything mentioned in What is not covered applicable to all sections of the policy 2 Any claim arising out of any act s by you which would be considered an offence by a court of the United Kingdom if they had been committed in the United Kingdom A ay cedartree 31 Ava travel insurance DIRECT 1 10 2015 v1 1 Claims evidence We will require at your own expense the following evidence where rele vant Confirmation in writing from the hospital relevant authority or the treating medical practitioner of the dates when you were admitted and subsequently discharged from hospital together with details of your injuries Details of any travel or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 SECTION M1 SCHEDULE AIRLINE FAILURE INSURANCE ONLY OPERATIVE IF INDICATED IN THE SCHEDULE Cover under sections M1 and M2 is provided by International Passenger Protection Limited IPP House 22 26 Station Road West Wickham Kent BR4 OPR United Kingdom and is underwritten by Certain Underwriters at Lloyd s I
28. up to the amounts shown in the schedule of benefits for reasonable additional accommodation room only and travel expenses necessarily incurred in reaching your overseas destination or in the case of a cruise joining your ship at the next possible port of call or returning to the United Kingdom if you fail to arrive at the departure point including for residents of Northern Ireland any departure point in the Republic of Ireland in time to board the public transport on which you are booked to travel on for the initial international outbound and return legs only of the trip as a result of 1 the failure of other public transport or 2 an accident to or breakdown of the vehicle in which you are travelling or 3 an accident or breakdown happening ahead of you on a public road which causes an unexpected delay to the vehicle in which you are travelling or A ay cedartree 29 travel insurance DIRECT 1 10 2015 v1 1 4 strike industrial action or adverse weather conditions If the same expenses are also covered under Section H Delayed departure or Section T Travel disruption cover you can only claim under one section for the same event Special conditions relating to claims 1 You must allow enough time for the public transport or other transport to arrive on schedule and to deliver you to the departure point What is not covered 1 The excess as shown in the schedule of benefits for each and every claim per incident claimed for
29. your proportion of the costs not theirs regardless who has paid for the booking Any circumstances known to you before you purchased this insur ance or at the time of booking any trip that could reasonably be expected to result in a claim The cost of Air Passenger Duty APD whether irrecoverable or not What is not covered under Section B Emergency medical and other expenses Treatment or surgery which in the opinion of the Emergency Medical Assistance Service can wait until your return to your home area Medication which prior to departure is known to be required Expenses incurred as a result of a tropical disease where you have not had the NHS recommended inoculations and or not taken the NHS recommended medication Ava What is not covered under Section C Hospital benefit Hospitalisation compulsory quarantine or confinement to your accommodation as a result of a tropical disease where you have not had the NHS recommended inoculations and or not taken the NHS recommended medication What is not covered under Section C1 Pet Care Claims arising from your bodily injury illness or disease that is not covered under Section B Emergency medical and other expenses What is not covered under Section E baggage Valuables left unattended at any time unless in a hotel safe safety deposit box or in your locked accommodation baggage contained in an unattended vehicle between 9 pm and 9 am
30. your home is Insured person See definition of You Your Yourself Insured person Medical condition means any disease illness or injury Medical practitioner means a registered practising member of the medical profession recog nised by the law of the country where they are practising who is not related to you or any person who you are travelling with Mugging means a violent threatening attack by a third party causing actual bodily harm Package means the pre arranged combination of at least two of the following components when sold or offered for sale at an inclusive price and when the service covers a period of more than 24 hours or includes overnight accommodation a transport b accommodation c other tourist services not ancillary to transport or accommodation such as car hire or airport parking and accounting for a significant pro portion of the package as more fully described under The Package Travel Package Holidays and Package Tour Regulations 1992 A ay cedartree 12 travel insurance DIRECT 1 10 2015 v1 1 Period of insurance means if annual multi trip cover is selected the period of 12 months for which we have accepted the premium as stated in the schedule During this period any trip not exceeding the maximum trip duration as detailed in your policy schedule but limited to 28 days in total in each period of insurance for winter sports provided you have paid the appropriate winter sports
31. 806 A ay cedartree 42 travel insurance DIRECT 1 10 2015 v1 1 X SECTION X BUSINESS TRAVEL ONLY OPERATIVE IF INDICATED IN THE SCHEDULE This extension to the policy provides the following amendments to the insurance specifically for any business trip made by you What is covered 1 In addition to the cover provided under Section E baggage and pass port we will pay you up to the amount shown in the schedule of benefits for the accidental loss of theft of or damage to business equipment The amount payable will be the current market value which takes into account a deduction for wear tear and depreciation loss of value or we may replace reinstate or repair the lost or damaged business equipment 2 We will pay up to the amount shown in the schedule of benefits for reasonable additional accommodation and travelling expenses incurred in arranging for a colleague or business associate to take your place ona pre arranged business trip in the event that a You die b You are unable to make the business trip due to you being hospital ised or totally disabled as confirmed in writing by a medical practitioner c Your close relative or close business associate in the United Kingdom dies is seriously injured or falls seriously ill Special conditions relating to claims 1 You must report to the local Police in the country where the incident oc curred within 24 hours of discovery or as soon as possible after that and
32. If you reach any of the ages mentioned above during the period of insur ance cover will continue until the next renewal date but not after that Single trip If single trip cover is selected this policy is not available to anyone aged 76 or over Policy excess Under most sections of the policy claims will be subject to an excess This means that you will be responsible for paying the first part of each and every claim per incident claimed for under each section by each insured person unless you have paid the additional premium to waive the excess as stated in your policy schedule Under section E1 Gadget Cover and E2 Gadget Cover Extension the ex cess is the amount detailed in your insurance schedule you must contribute towards each and every claim you make on your policy except for group policies where this applies per claim per insured person Helplines Please carry this policy with you in case of an emergency Policy information or advice If you would like more information or if you feel the insurance may not meet your needs please contact the Cedar Tree customer helpline on 0203 137 7922 or by emailing directsales cedartreeinsurance com General Insurance Information This insurance is arranged by Worldwide Internet Insurance Services Limited trading as Cedar Tree an insurance intermediary licenced and regulated in Gibraltar by the Financial Services Commission under Licence Number FSC00657B and passported into the
33. Lloyd s or we have failed to provide you with a written response with eight weeks of the date of receipt of your complaint you may have the right to contact the Financial Ombudsman Service at the following address if you are an Eligible Complainant as set out in the definition below The Financial Ombudsman Service Exchange Tower London E149SR Telephone 0800 023 4567 or 0300 123 9123 Email complaint info financial ombudsman org uk More information can be found of their website www financial ombudsman org uk Making a complaint will not affect your right to take legal action Definition of an Eligible Complainant 1 A Consumer Any natural person acting for purposes outside his trade business or profession 2 A Micro Enterprise An enterprise which employs fewer than 10 persons and has a turnover or annual balance sheet that does not exceed 2 million 3 A Charity Which has an annual income of less than 1 million at the time the complaint is made 4 A Trustee Of a trust which has a net asset value of less than 1 million at the time the complaint is made Ava SECTIONS N O P Q R AND S WINTER SPORTS ONLY OPERATIVE IF INDICATED IN THE SCHEDULE Cover for sections N O P Q R and S only operates 1 Under single trip policies if the appropriate winter sports section is shown as operative in the schedule and the appropriate additional premium has been paid 2 Under annual multi trip policies f
34. Mental Health Team or if not a consultant specialising in the relevant field or b any other bodily injury illness disease or complications arising as a direct result of pregnancy you must provide at your own expense a medical certificate from a medical practitioner ava stating that this necessarily and reasonably prevented you from travelling We need the medical certificate completed as soon as you find out it is necessary to cancel the trip as any delay in seeing a medical practitioner could mean that your symptoms are no longer present If you cannot get an immediate appointment please make one for as early as possible and keep all details of this to help substantiate your claim What is not covered 1 The excess as shown in the schedule of benefits for each and every claim per incident claimed for under this section by each insured person unless the excess waiver has been purchased as detailed in your policy schedule 2 We will only consider the unused pre paid expenses of a person who is insured under this policy For example if you are travelling with someone who is not insured under this policy we will only pay your proportion of the costs not theirs regardless who has paid for the booking 3 The cost of your unused original tickets where a the Emergency Medical Assistance Service or we have arranged and or paid for you to come home following curtailment of the trip or b we have paid you for any reasonable a
35. PO1 2RX Tel 0333 999 7934 local rate call E mail customerrelations citymain com To make a claim for Scheduled Airline Failure or End Supplier Failure please contact IPP Claims Office IPP House 22 26 Station Road West Wickham Kent BR4 OPR Phone 020 8776 3752 E mail info ipplondon co uk Website www ipplondon co uk a claim form may be downloaded from this site A ay cedartree travel insurance DIRECT 1 10 2015 v1 1 Making a complaint If your complaint relates to a claim on your policy you should contact the department dealing with your claim If your complaint relates to your policy please contact 0203 137 9479 or by emailing complaints cedartreeinsurance com If the complaint is still not resolved you can approach The Financial Ombudsman Service Referral to the Financial Ombudsman Service will not affect your right to take legal action Full details of addresses and contact numbers can be found within the Making a complaint section of the policy wording Financial Services Compensation Scheme FSCS We are covered by the Financial Services Compensation Scheme FSCS You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you This depends on the type of insurance and the circumstances of the claim Further information about the compen sation scheme arrangements is available from the FSCS www fscs org uk Ava y cedartree travelinsurance DI
36. RECT 1 10 2015 v1 1 10 This is your travel insurance policy It contains details of what is covered special conditions and what is not covered for each insured person and is the basis on which all claims will be settled It is validated by the issue of the schedule which we recommend be attached to the policy In return for having accepted your premium we will in the event of bodily injury death illness disease loss theft damage legal liability or other specified events happening within the period of insurance provide insur ance in accordance with the operative sections of your policy as referred to in your schedule The schedule and any endorsements are all part of the policy Your policy is evidence of the contract of insurance United Kingdom residents This policy is only available to you if you are permanently resident in the United Kingdom and registered with a medical practitioner in the United Kingdom The law applicable to this policy You and we can choose the law which applies to this policy We propose that the law of England and Wales applies Unless we and you agree other wise the law of England and Wales will apply to this policy Age eligibility Annual multi trip This policy is not available to anyone aged 76 or over if annual multi trip cover is selected If you are aged under 18 you are only insured when trav elling with one or both of the insured adults or accompanied by another responsible adult
37. Service reasonable additional transport and or accommodation expenses for a travelling companion friend or close relative to stay with you or travel to you from the United Kingdom or escort you Also addition al travel expenses to return you to your home or a suitable hospital nearby if you cannot use the return ticket 7 With the prior authorisation of the Emergency Medical Assistance Service the additional costs incurred in the use of air transport or other suitable means including qualified attendants to repatriate you to your home if it is medically necessary These expenses will be for the identical class of travel utilised on the outward journey unless the Emergency Medical Assistance Service agree otherwise Special conditions relating to claims 1 To enable us to direct you to the most appropriate medical facility you must obtain the prior authorisation of the Emergency Medical Assistance Service or us before knowingly incurring any expenses including any out patient treatment over 500 If this is not possible because the condition requires emergency treatment you or someone on your behalf must con tact the Emergency Medical Assistance Service as soon as possible 2 You must tell the Emergency Medical Assistance Service as soon as possible of any bodily injury illness or disease which necessitates your ad mittance to hospital as an in patient or before any arrangements are made for your repatriation 3 If you suffer b
38. above sea level horse riding wearing a helmet and excluding competitions racing jumping and hunting hovercraft driving passenger husky horse reindeer sledging or sleigh riding as an activity as a passenger only with a local driver and not on snow indoor climbing on climbing wall indoor skating skateboarding wearing pads and helmets jet boating no racing jousting kayaking up to grade 2 rivers motorcycling excluding quad bikes for which you are licenced to drive in the United Kingdom other than in races motor rallies or competi tions and wearing a helmet octopush paint balling war games wearing eye protection pilates pool billiards snooker racket ball refereeing amateur only ringos rounders amateur running non competitive and not a marathon of any type sailing yachting if qualified or accompanied by a qualified person and no racing sand boarding sand dunes surf ing skiing scuba diving up to depth of 18 me tres if qualified or accompanied by qualified instructor and not diving alone not involved in cave diving and not involved in air travel until more than 24 hours have elapsed after your last dive skateboarding wearing pads and helmets softball amateur speed sailing no racing squash swimming swimming bathing with elephants table tennis 17 tall ship crewing no racing tennis tree canopy walking tug of war wake boarding
39. accommodation 3 Loss theft of or damage to travellers cheques if you have not complied with the issuer s conditions or where the issuer provides a replacement service 4 Loss or damage due to delay confiscation or detention by customs or any other authority 5 Loss or damage due to depreciation loss in value variations in exchange rates or shortages due to error or omission 6 Travel event or entertainment tickets paid for using any airline mileage or supermarket reward scheme for example Avios unless evidence of specific monetary value can be provided 7 Anything mentioned in What is not covered applicable to all sections of the policy A ay cedartree 27 travel insurance DIRECT 1 10 2015 v1 1 Claims evidence We will require at your own expense the following evidence where rele vant A police report from the local Police in the country where the inci dent occurred for all loss theft or attempted theft A letter from your tour operator s representative hotel or accommo dation provider where appropriate All travel tickets and tags for submission Proof of ownership such as an original receipt or bank or credit card statements for items lost stolen or damaged Receipts or bills or proof of purchase for any transport and accom modation expenses claimed for Receipts or bills or proof of purchase for any replacement or tempo rary passport or visa claimed for Receipt for a
40. ack pain crohn s and coeliac disease and ulcerative colitis ll Any other medical conditions for which you have received any inpatient or outpatient treatment by a hospital specialist within the last twelve months Public transport means any publicly licensed aircraft sea vessel train coach or bus on which you are booked or had planned to travel Secure baggage area means any of the following as and where appropriate a The locked dashboard boot or luggage compartment of a motor Ava vehicle b The locked luggage compartment of a hatchback vehicle fitted with a lid closing off the luggage area or of an estate car with a fitted and engaged tray or roller blind cover behind the rear seats c The fixed storage units of a locked motorised or towed caravan d A locked luggage box locked to a roof rack which is itself locked to the vehicle roof Single parent cover means one adult and up to 9 of his or her children step children or foster children aged under 18 accompanying the parent insured on the same policy travelling on any trip to the same destination The children are only insured when travelling with the insured adult or accompanied by another responsible adult but under annual multi trip cover the adult is also insured to travel on their own Ski equipment means skis including bindings ski boots ski poles and snowboards Terrorism means an act including but not limited to the use of force or vi
41. age holiday or c subsections 1 2 4 and 5 of What is covered if you failed to reach your overseas destination to commence the package holiday due to an event covered under this section and because of this you were not entitled to claim compensation assistance or reimbursement of any costs charges and expenses incurred by you from the tour operator 17 The cost of your unused original tickets where a the Emergency Medical Assistance Service or we have arranged and or paid for you to come home following curtailment of the trip or b we have paid you for any reasonable alternative and or additional trav el costs incurred by you to come home following curtailment of the trip If however you have not purchased a return ticket we reserve the right to deduct the cost of an economy flight based on the cost applicable on the date you come home from any additional costs we have incurred which are medically necessary to repatriate you to your home 18 Anything mentioned in What is not covered applicable to all sections of the policy Claims evidence We will require at your own expense the following evidence where rele vant A copy of the advice against all travel or all but essential travel issued by the Foreign amp Commonwealth office FCO or other regulatory authority 8 Accommodation costs paid for using any Timeshare Holiday Property A letter from the public transport provider detailing the reasons for Bond or o
42. aim Provisions 2 Benefit is not payable to you a If the permanent loss of use of an entire hand or foot is only partial and not total and complete being 100 b Until one year after the date you sustain bodily injury 3 Benefit 1 will be paid to the deceased insured person estate What is not covered 1 Anything mentioned in What is not covered applicable to all sections of the policy 2 Any claim under permanent total disablement if at the date of the acci dent you are over the statutory age of retirement and not in full time paid employment 3 Any claim arising from any event which exacerbates a previously existing bodily injury Claims evidence We will require at your own expense the following evidence where rele vant Inthe event of death the original death certificate A medical certificate or report in relation to claims for loss of limb loss of sight or permanent total disablement To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 A ay cedartree 23 travel insurance DIRECT 1 10 2015 v1 1 E SECTION E BAGGAGE What is covered 1 We will pay you up to the amount shown in the schedule of benefits for the accidental loss of theft of or damage to baggage and valuables during your trip The amount payable in the event of a total loss will be the value at today s prices less a deduction for wear
43. ance DIRECT 1 10 2015 v1 1 28 29 30 31 31 32 32 33 34 34 35 35 35 36 39 40 42 43 44 A y cedartree travel insurance Cedar Tree Travel insurance policy summary This policy summary does not contain full details and conditions of your insur ance these are located in your policy wording This insurance is underwritten by AXA Insurance UK plc Where a heading is underlined in this policy summary full details can be found in your policy wording under the same heading TYPE OF INSURANCE AND COVER Travel insurance for single or annual multi trips Please refer to your policy schedule for your selected cover Various optional covers may also be included your policy schedule will show if you selected these options AGE ELIGIBILITY Annual multi trip This policy is not available to anyone aged 76 or over if annual multi trip cover is selected If you are aged under 18 you are only insured when travelling with one or both of the insured adults or accompanied by another responsible adult If you reach any of the ages mentioned above during the period of insurance cover will continue until the next renewal date but not after that If single trip cover is selected this policy is not available to anyone aged 76 or over CONDITIONS Itis essential that you refer to the Important conditions relating to health in the policy wording as failure to comply with these conditio
44. andling agents was invalid f The accidental loss of theft of or damage to your passport or visa if left unattended at any time including in a vehicle in checked in luggage or while in the custody of a carrier tour operator or public transport oper ator unless deposited in a hotel safe safety deposit box or left in your locked accommodation 4 Any claims arising whilst you are on a day trip 5 The cost of Air Passenger Duty APD whether irrecoverable or not 6 Travel tickets paid for using any airline mileage or supermarket reward scheme for example Avios unless evidence of specific monetary value can be provided 7 We will only consider the unused pre paid expenses of a person who is insured under this policy For example if you are travelling with someone who is not insured under this policy we will only pay your proportion of the costs not theirs regardless who has paid for the booking 9 Any costs incurred by you which are recoverable from the providers of the accommodation their booking agents or the administrators of either or for which you receive or are expected to receive compensation or reimburse ment 10 Any costs incurred by you which are recoverable from the public trans port operator or their booking agents Your tour operator or travel agent or their administrators or for which you receive or are expected to receive compensation damages refund of tickets meals refreshments accommo dation tran
45. angs radioactive contamination There are a number of sports activities and winter sports that are not covered Please see paragraphs 4 5 and 6 in What is not covered applicable to all sections of the policy in the policy wording Climbing on or jumping from vehicles buildings or balconies regard less of the height Wilful self inflicted injury suicide drug use or solvent abuse You drinking too much alcohol or you are suffering from alcohol dependence or directly or indirectly from the symptoms of alcohol withdrawal resulting in a claim Unlawful actions and any criminal proceedings brought against you Travel to a country specific area or event which the Travel Advice Unit of the Foreign and Commonwealth Office FCO has advised against all travel or all but essential travel except where cover is pro vided under subsections 1 and 6 c of What is covered under Section P Travel disruption cover What is not covered under Section A Cancellation or curtailment charges Redundancy caused by misconduct resignation voluntary redundancy entering into a compromise agreement or where you received a warning or notification of redundancy before you purchased this insurance or at the time of booking any trip We will only consider the unused pre paid expenses of a person who is insured under this policy For example if you are travelling with someone who is not insured under this policy we will only pay
46. aniser booking agent or consolidator with whom You have booked travel or accommodation 3 Any loss for which a third party is liable or which can be recovered by other legal means 4 Any losses which are not directly associated with the incident that caused You to claim For example loss due to being unable to reach your pre booked hotel following the financial failure of an airline Please also refer to the What is not covered shown on page 16 of this policy wording for details of what is not covered How to make a claim under sections M1 and M2 International Passenger Protection claims only Any occurrence which may give rise to a claim under this section should be advised advised promptly and in any event within 14 days to International Passenger Protection Claims Office IPP House 22 26 Station Road West Wickham Kent BR4 OPR United Kingdom Website www ipplondon co uk E mail info ipplondon co uk Facsimile 44 0 20 8776 3751 Phone 44 0 20 8776 3752 A ay cedartree 32 travel insurance DIRECT 1 10 2015 v1 1 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 claims under all other sections of this policy please see the Claims condi tions section on page 14 How to make a complaint under sections M1 and M2 If you have a complaint we really want to hear from you We welcome your comments as they give us the op
47. at your own expense the following evidence where rele vant A letter from the public transport provider detailing the reasons for failure A letter from the relevant public transport provider carrier or authority confirming details of the strike industrial action or adverse weather conditions Your unused travel tickets Receipts or bills or proof of purchase for any transport accommoda tion or other costs charges or expenses claimed for Inthe case of an accident to or breakdown of the vehicle in which you are travelling a repairers or breakdown company s report or oth er evidence from the relevant highway authority or local authority Inthe case of the breakdown of any vehicle owned by you a copy of the last service report confirming that the vehicle has been serviced properly and maintained in accordance with manufacturer s instruc tions Details of any travel or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 ava J SECTION J LEGAL EXPENSES AND ASSISTANCE Special definition relating to this section Lawyer means the legal representative or other appropriately qualified person acting for you You have the right to choose the lawyer acting for you in the following circumstances a Where the commencement of court proceedings to pursue your claim is req
48. ave not used Or b You attending a hospital outside your home area as an in patient or be ing confined to your accommodation abroad due to compulsory quarantine or on the orders of a medical practitioner in either case for a period in ex cess of 48 hours Claims will be calculated from the day you were admitted to hospital or confined to your accommodation and based on the number of complete days for which you were hospitalised quarantined or confined to your accommodation Curtailment claims under paragraph b will only be paid for the ill injured quarantined confined insured person but where we or the Emergency Medical Assistance Service agree for another insured person including any children travelling with them to stay with you we will also pay for that insured person s proportion only of any travel and accommodation costs Ava and expenses including excursions up to 250 they have incurred but not used by remaining with you Excess means that you will be responsible for paying the first part of each and every claim per incident claimed for under each section by each insured person unless you have paid the additional premium to waive the excess as stated in your policy schedule Under section E1 Gadget Cover and E2 Gadget Cover Extension the ex cess is the amount detailed in your insurance schedule you must contribute towards each and every claim you make on your policy except for group policies where this app
49. ba diving to 30 metres if quali fied scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving canoeing up to grade 3 rivers grass skiing hiking between 2 501 and 3500 metres above sea level kayaking up to grade 3 rivers or coastal waters polo cross sea canoeing kayaking within sight of land Ava swimming with killer whales Orcas via ferrata weight lifting LEVEL 3 SPORTS AND ACTIVITIES COVERED IF THE AP trekking between 2 501 to 3 500 metres above sea level walking between 2 501 to 3 500 metres above sea level PROPRIATE ADDITIONAL PREMIUM HAS BEEN PAID bungee jumping within organisers guidelines bungee swoop within organisers guidelines canoeing up to grade 4 rivers husky dog sledding not on snow judo kayaking up to grade 4 rivers land skiing paramotoring parasailing over land quad biking scuba diving to 40 metres if quali fied scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving tai chi white water canoeing kayaking touring up to grade 4 bungee slingshot within organis ers guidelines bungee trampolining within organisers guidelines capoeira no contact dance movement only jet skiing karate kite boarding paragliding parapenting paraponting pot holing caving rugby amateur only sky jumping from Sky Tower in Auckland New Zealand only white
50. bile phone or in respect of a laptop tablet where user history is available 9 Any claim involving theft unless reported to the appropriate local Police authorities and the Network if applicable within 24 hours of discovering the incident 10 Theft of the gadget from an unoccupied premise whilst on your trip unless there is evidence of violent and forcible entry to the premises 11 Theft of the gadget from the person unless force or threat of violence is used 12 Loss theft or accidental damage to the gadget whilst in the posses sion of anyone else 13 Loss theft of or accidental damage to accessories other than SIM or PCIMA cards which were in the gadget at the time of the loss theft or damage 14 Loss damage destruction distortion erasure corruption or alteration of electronic data from any computer virus or similar mechanism or as a result of any failure of the Internet or loss of use reduction in functionality cost expense of whatsoever nature resulting there from regardless of any other cause or event contributing concurrently or in any other sequence to the loss 15 Repair or other costs for routine servicing inspection maintenance or cleaning loss caused by a manufacturer s defect or recall of the gadget replacement of or adjustment to fittings control knobs or buttons batteries or aerials repairs carried out by anyone not authorised by us wear and tear or gradual deteriorat
51. ble after that and get at your own expense a written report of the loss theft or attempted theft of all golf equipment A ay cedartree 39 travel insurance DIRECT 1 10 2015 v1 1 5 If golf equipment is lost stolen or damaged while in the care of a carrier transport company authority hotel or your accommodation provider you must report details of the loss theft or damage to them in writing and get at your own expense written confirmation 6 If golf equipment is lost stolen or damaged whilst in the care of an airline you must give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage please keep a copy 7 You must give us written notice of any incident which may result in a claim as soon as possible 8 You must send us every court claim form summons letter of claim or other document as soon as you receive it 9 You must not admit any liability or pay offer to pay promise to pay or negotiate any claim without our permission in writing 10 We will be entitled to take over and carry out in your name the defence of any claims for compensation or damages or otherwise against any third party We shall have full discretion in the conduct of any negotiation or proceedings or in the settlement of any claim and you must give us all necessary information and assistance which we may require 11 If you die your legal representative s will have the protection of this
52. cal or electrical breakdown 4 Anything mentioned in What is not covered applicable to all sections of the policy Claims evidence Weill require at your own expense the following evidence where relevant A police report from the local Police in the country where the inci dent occurred for all loss theft or attempted theft A Property Irregularity Report from the airline or a letter from the carrier where loss theft or damage occurred in their custody A letter from your tour operator s representative hotel or accommo dation provider where appropriate All travel tickets and tags for submission Proof of ownership such as an original receipt valuation or bank or credit card statements for items lost stolen or damaged together with receipts or bills detailing the costs incurred of hiring replace ment ski equipment Details of any travel or other insurance under which you could also claim SECTION P SKI PACK ONLY OPERATIVE IF INDICATED IN THE SCHEDULE What is covered We will pay you a Up to up to the amount shown on the schedule of benefits for the unused portion of your ski pack ski school fees lift passes and hired ski equipment following your bodily injury illness or disease b Up to the amount shown on the schedule of benefits for the unused portion of your lift pass if you lose it You can only claim under Section P Ski pack or Section T Travel disrup tion cover for the same e
53. ce or witness attendance the court summons The letter of redundancy for redundancy claims A letter from the commanding officer concerned confirming cancel lation of authorised leave or call up for operational reasons Inthe case of serious damage to your home a report from the Police or relevant authority Where flooding or other damage is so wide spread that the Police or other authorities could not be present then a report from your household insurers or the contractor engaged to carry out repairs to your home Details of any travel private medical or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 SECTION B EMERGENCY MEDICAL AND OTHER EXPENSES What is covered We will pay you up to the amount shown in the schedule of benefits for the following expenses which are necessarily incurred during a trip but not covered by any reciprocal health agreement as a result of you suffering unforeseen bodily injury illness disease and or compulsory quarantine 1 Emergency medical surgical hospital ambulance and nursing fees and charges incurred outside of your home area 2 Emergency dental treatment for the immediate relief of pain to natural teeth only up to the amount shown in the schedule of benefits incurred outside of your home area 3 Costs of telephone calls a to
54. ch Operator Car Hire Company Caravan Site Campsite Mobile Home Camper Rental Safaris Excursions Eurotunnel Theme Park such as Disney Land Paris all known as the End Supplier of the travel arrangements not forming part of an inclusive holiday prior to departure or Inthe event of insolvency after departure i additional pro rata costs incurred by You in replacing that part of the travel arrangements to a similar standard of transportation as enjoyed prior to the curtailment of the travel arrangements or ii if curtailment of the holiday is unavoidable the cost of return transportation to the United Kingdom Channel Islands Isle of Man or Northern Ireland to a similar standard of transportation as enjoyed prior to the curtailment of the travel arrangements PROVIDED THAT in the case of i and ii above where practicable You have obtained our approval prior to incurring the relevant costs by contacting us as set out below What You are not covered for under section M2 1 Travel and Accommodation not booked within the United Kingdom Channel Islands Isle of Man or Northern Ireland prior to departure 2 The Financial Failure of a any Travel or Accommodation provider in Chapter 11 or any threat of insolvency being known at the date of your application under this policy b any Travel or Accommodation provider who is bonded or insured elsewhere even if the bond is insufficient to meet the claim c any travel agent tour org
55. chedule you must contribute towards each and every claim you make on your policy except for group policies where this applies per claim per insured person Ava A ay cedartree travel insurance DIRECT 1 10 2015 v1 1 The standard policy excess you have agreed to pay is based on the level of cover shown on your policy schedule and is shown in the schedule of benefits on pages 4 6 of your policy wording You must obtain the prior authorisation of the Emergency Medical Assistance Service or us before incurring any medical expenses in cluding any out patient treatment over 500 If this is not possible because the condition requires emergency treatment you or some one on your behalf must contact the Emergency Medical Assistance Service as soon as possible Under annual multi trip policies there is no cover for trips over either 32 45 or 90 days dependent on the level of cover selected as detailed in your policy schedule Any trip that has already begun when you purchase this insurance will not be covered except where this policy replaces or you renew an existing annual multi trip policy which fell due for renewal during the trip What is not covered applicable to all sections of the policy War risks civil commotion terrorism except under Section B Emergency medical and other expenses Section C Hospital benefit and Section D Personal accident unless caused by nuclear chemi cal or biological attack sonic b
56. cheduled time of departure What is not covered under Section Missed departure Strike or industrial action existing or being publicly announced by the date you purchased this insurance or at the time of booking any trip Your failure to arrive at the departure point in time to board any connecting public transport after your departure on the initial international outbound and return legs of the trip Claims arising directly or indirectly from volcanic eruptions and or volcanic ash clouds What is not covered under Section J Legal expenses and assistance Cover is only available if a claim is more likely than not to be success ful and if any judgement is more likely than not to be enforced See the Prospects of success wording under this section of the policy wording for more information Legal costs and expenses incurred prior to our written acceptance of the case What is not covered under Section K Hijacking Any claim relating to payment of ransom monies Any claim arising out of any act s by you which would be consid ered an offence by a court of the United Kingdom if they had been committed in the United Kingdom What is not covered under Section L Mugging Any additional period of hospitalisation relating to treatment or surgery including exploratory tests which are not directly related to the bodily injury which necessitated your admittance into hospital Hospitalisation relating to any fo
57. claim as a result Ava 9 Jumping from vehicles buildings bridges scaffolding or balconies You climbing on or jumping from a vehicle building bridge scaffolding bal cony or climbing or moving from any external part of any building to anoth er apart from stairs ramps or walkways and falling regardless of the height unless your life is in danger or you are attempting to save human life 10 Unlawful action Your own unlawful action or any criminal proceedings against you 11 Additional loss or expense Any other loss damage or additional expense following on from the event for which you are claiming unless we provide cover under this insurance Examples of such loss damage or additional expense would be the cost of replacing locks after losing keys costs incurred in preparing a claim or loss of earnings following bodily injury illness or disease 12 Armed Forces Operational duties of a member of the Armed Forces other than claims arising from authorised leave being cancelled due to operational reasons as provided for under sub section 4 of Section A Cancellation or curtailment charges 13 Travelling against FCO advice Your travel to a country specific area or event when the Travel Advice Unit of the Foreign amp Commonwealth Office FCO or regulatory authority in a country to from which you are travelling has advised against all or all but essential travel other than claims arising from you not being able to t
58. cover as long as they comply with the terms and conditions outlined in this policy What is not covered 1 The excess as shown in the schedule of benefits for each and every claim per incident claimed for under this section by each insured person unless the excess waiver has been purchased as detailed in your policy schedule 2 Any claims arising directly or indirectly from a Your misconduct or misconduct by any person who you are travel ling with or have arranged to travel with leading to dismissal your their resignation voluntary redundancy you them entering into a compromise agreement or where you they had received a warning or notification of redundancy before you purchased this insurance or at the time of booking any trip b Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip 3 Loss theft of or damage to golf equipment contained in an unattended vehicle a overnight between 9 pm and 9 am local time or b at any time between 9 am and 9 pm local time unless i it is locked out of sight in a secure baggage area and ii Violent and Forcible Entry has been used by an unauthorised person to gain entry into the vehicle and evidence of such entry is available 4 Loss or damage due to delay confiscation or detention by customs or any other authority 5 Loss or damage cause
59. ction please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 Ava SECTION R AVALANCHE OR LANDSLIDE COVER ONLY OPERATIVE IF INDICATED IN THE SCHEDULE What is covered We will pay you up to the amount shown in the schedule of benefits for reasonable additional accommodation room only and travel expenses nec essarily incurred in reaching your booked resort or returning home if you are delayed for more than 12 hours by avalanche or landslide The cover only applies to trips taken outside the United Kingdom during the published ski season for your resort Special conditions relating to claims 1 You must get at your own expense written confirmation from the rele vant authority or your tour operator s representative confirming the event What is not covered 1 Anything mentioned in What is not covered applicable to all sections of the policy Claims evidence We will require at your own expense the following evidence where rele vant A letter from the relevant authority or your tour operator s rep resentative confirming details of the avalanche or landslide that caused the delay and the period of delay Receipts or bills for any accommodation and travel expenses claimed for Details of any travel or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaim
60. d by wear and tear depreciation loss in value atmospheric or climatic conditions moth vermin any process of cleaning repairing or restoring mechanical or electrical breakdown 6 Anything mentioned in What is not covered applicable to all sections of the policy Claims evidence We will require at your own expense the following evidence where rele vant Amedical certificate from the treating medical practitioner or in Ava the case of stress anxiety depression or any other mental or nervous disorder either a registered mental health professional if you are under the care of a Community Mental Health Team or if not a consultant specialising in the relevant field explaining why it was necessary for you to cancel or Curtail the trip Inthe case of death causing cancellation or curtailment of the trip the original death certificate Booking confirmation together with a cancellation invoice from your travel agent tour operator or golf club Inthe case of curtailment claims written details from your travel agent tour operator or golf club of the separate costs of green fees that made up part of the total cost of the trip Your unused travel tickets Receipts or bills for any costs charges or expenses claimed for Inthe case of compulsory quarantine a letter from the relevant authority or the treating medical practitioner Inthe case of jury service or witness attendance the court summons Th
61. d in time to enable you to safely continue with at least 50 of your booked trip 5 We will pay you up to the amount shown in the schedule of benefits for your reasonable additional travel including up to 200 for taxis and hire cars and accommodation costs which are of a similar standard to that of your pre booked travel and accommodation but on a room only basis you have to pay to reach your overseas destination or in the case of a cruise to join your ship at the next possible port of call that you cannot claim back from any other source if you fail to arrive at the departure point in time to board any onward connecting public transport on which you are booked to travel as a result of a The failure of other public transport or b Strike industrial action or adverse weather conditions or c You being involuntarily denied boarding because there are too many passengers for the seats available and no other suitable alternative flight could be provided within 12 hours A 4y cedartree 36 travel insurance DIRECT 1 10 2015 v1 1 While you are at your destination 6 We will pay you up to the amount shown in the schedule of benefits for your proportion only of any unused travel accommodation and other pre paid charges that you cannot claim back from any other source together with any reasonable additional travel including up to 200 for taxis and hire cars and accommodation costs which are of a similar standard to that of your p
62. d the administra tor including data which is deemed sensitive under the Data Protection Act 1998 All information provided by you will be used by Taurus its agents and asso ciated companies other insurance providers regulators industry and public bodies including the police and agencies to process this cover and any upgrade to cover handle claims relating to this cover and to prevent fraud Sensitive Information Some of the personal information we ask you for may be sensitive personal data as defined by the Data Protection Act 1998 such as information about health or criminal convictions We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to provide the services described in your policy documents How we use and protect your information and who we share it with We will use your information to manage your insurance policy including underwriting and claims handling This may include disclosing it to other insurers administrators third party underwriters and reinsurers Your information comprises of all the details we hold about you and your transactions and includes information obtained from third parties We may use and share your information with other members of our group compa nies We will provide an adequate level of protection to your data We do not disclose your information to anyone outside of our group com pany except Where we ha
63. damage please contact The administrator on 0333 999 7934 local rate call within 2 working days of discovering the incident or in the event of an incident occurring outside of the United Kingdom within 2 working days of returning to the United Kingdom Scheduled Airline Failure IPP Claims Office IPP House 22 26 Station Road West Wickham Kent BR4 OPR Phone 020 8776 3752 E mail info ipplondon co uk Website www ipplondon co uk a claim form may be downloaded from this site The claim notification must be made within 31 days or as soon as possible after that following any bodily injury illness disease incident event redundancy or the discovery of any loss theft or damage which may lead to a claim under this policy You must also tell us if you are aware of any court claim form summons or impending prosecution Every communication relating to a claim must be sent to us as soon as possible You or anyone acting on your behalf must not negotiate admit or refuse any claim without our permission in writing and cooperate fully with us in our investigations into the circumstance of your claim Each section of this policy contains Special conditions relating to claims You should refer to the particular section under which you are claiming for further details of what you must do following the incident or event which has caused the claim You or your legal representatives must supply at your own expense all information
64. der this section 3 Up to the amount shown in the schedule of benefits for the reasonable cost of hiring replacement golf equipment as a result of the accidental loss of theft of or damage to or temporary loss in transit during the outward journey for more than 24 hours of your own golf equipment as long as we receive written confirmation from the carrier confirming the number of hours the golf equipment was delayed Liability for golf buggies whilst in use What is covered In addition to the cover provided under Section G Personal liability we will pay you and each insured person up to the amount shown in the schedule of benefits including legal costs and expenses against any amount you be come legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause for accidental 1 Bodily injury death illness or disease to any person who is not in your employment or who is not a close relative or member of your household or 2 Loss of or damage to property that does not belong to and is neither in the charge of or under the control of you a close relative anyone in your employment or any member of your household arising from your owner ship possession or use of a golf buggy Special conditions relating to claims 1 You must get at your own expense a medical certificate from a medical practitioner and the prior approval of the Emergency Medical Assistance Service to
65. e when in the opinion of the Emergency Medical Assistance Service it is safe to do so b Hospitalisation compulsory quarantine or confinement to your accom modation i relating to any form of treatment or surgery which in the opinion of the Emergency Medical Assistance Service or us based on information provided by the medical practitioner in attendance can be delayed reasonably until your return to your home area ii as a result of a tropical disease where you have not had the NHS recommended inoculations and or not taken the NHS recommended medication A 4y cedartree 22 travel insurance DIRECT 1 10 2015 v1 1 iii occurring in England Scotland Wales Northern Ireland the Isle of Man or the Channel Islands relation to either i private treatment or ii tests surgery or other elective or planned treatment the costs of which are funded by or recoverable from the Health Authority in your home area 2 Anything mentioned in What is not covered applicable to all sections of the policy Claims evidence We will require at your own expense the following evidence where rele vant Confirmation in writing from the hospital relevant authority or the treating medical practitioner of the dates when you were admitted and subsequently discharged from hospital compulsory quarantine or confinement to your accommodation To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online ww
66. e due to delay confiscation or detention by customs or any other authority ava 6 Loss theft of or damage to unset precious stones contact or corneal lens es hearing aids dental or medical fittings antiques musical instruments motor accessories documents of any kind bonds securities perishable goods such as foodstuffs bicycles ski equipment golf equipment and damage to suitcases unless the suitcases are entirely unusable as a result of one single incidence of damage 7 Loss or damage due to cracking scratching breakage of or damage to china glass other than glass in watch faces cameras binoculars or telescopes porcelain or other brittle or fragile articles unless caused by fire theft or an accident to the aircraft sea vessel train or vehicle in which they are being carried 8 Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use 9 Loss theft of or damage to business equipment business goods samples tools of trade and other items used in connection with your business trade profession or occupation 10 Loss or damage caused by wear and tear depreciation loss in value atmospheric or climatic conditions moth vermin any process of cleaning repairing or restoring mechanical or electrical breakdown 11 Anything mentioned in What is not covered applicable to all sections of the policy Claims evidence We will require at your own expense the follow
67. e letter of redundancy for redundancy claims A letter from the commanding officer concerned confirming cancel lation of authorised leave or call up for operational reasons Inthe case of serious damage to your home a report from the police or relevant authority Where flooding or other damage is so wide spread that the Police or other authorities could not be present then a report from your household insurers or the contractor engaged to carry out repairs to your home A police report from the local Police in the country where the inci dent occurred for all loss theft or attempted theft A Property Irregularity Report from the airline or a letter from the carrier where loss theft or damage occurred in their custody A letter from your tour operator s representative hotel or accommo dation provider where appropriate All travel tickets and tags for submission Proof of ownership such as an original receipt a valuation original user manual or bank or credit card statements for items lost stolen or damaged and for all items of golf equipment replaced if your golf equipment is temporarily lost in transit for more than 12 hours Receipts or bills detailing the costs incurred in hiring replacement golf equipment A letter from the carrier confirming the number of hours your golf equipment was delayed for Repair report where applicable Full details in writing of any incident involving the use of a gol
68. e off or b You being involuntarily denied boarding because there are too many passengers for the seats available and no suitable alternative flight could be provided within 12 hours or c You being denied boarding on the public transport on which you were booked to travel to your home area including any onward connecting public transport as a result of the accidental loss of theft of or damage to your passport and or visa and either the temporary replacement you obtained was not accepted or no replacement could be obtained until after the scheduled time of departure up to the amount shown in the schedule of benefits Ava 8 If the public transport on which you were booked to travel to your home area including any onward connecting public transport is can celled or delayed for at least 12 hours we will pay you up to the amount shown in the schedule of benefits for the first 12 hours delay and each full 12 hours delay after that up to the maximum of the amount shown in the schedule of benefits providing you return to your home on the next avail able suitable public transport this will help you pay for telephone calls made and meals and refreshments purchased during the delay 9 We will pay you up to the amount shown in the schedule of benefits for your reasonable additional travel including up to 200 for taxis and hire cars and accommodation costs which are of a similar standard to that of your pre booked travel and accommoda
69. e public transport operator or for which you receive or are expected to receive compensation damages refund of tickets meals refresh ments accommodation transfers communication facilities or other assistance Any accommodation costs charges and expenses where the public transport operator has offered reasonable alternative travel ar rangements within 12 hours of the scheduled time of departure For subsection 4 only of What is covered your reluctance to travel or make or attempt to make alternative arrangements to reach your destination where reasonable alternative travel facilities were available and no severe weather warnings for the area concerned or notices of road closures on your planned route had been issued Your passport or visa left unattended at any time unless in a hotel safe safety deposit box or in your locked accommodation What is not covered under Section U Golf cover Redundancy caused by misconduct resignation voluntary redundancy entering into a compromise agreement or where you received a warning or notification of redundancy before you purchased this insurance or at the time of booking any trip Any circumstances known to you before you purchased this insur ance or at the time of booking any trip that could reasonably be expected to result in a claim A ay cedartree travel insurance DIRECT 1 10 2015 v1 1 Golf equipment contained in an unattended vehicle between 9 pm and 9 am or at any t
70. easons provided that the cancellation or curtailment could not reasonably have been expected at the time when you purchased this insurance or at the time of booking any trip 5 The Police or other authorities requesting you to stay at or return to your home due to serious damage to your home caused by fire aircraft explosion storm flood subsidence fallen trees collision by road vehicles malicious people or theft If the same costs charges or expenses are also covered under Section T Travel disruption cover or Section U Golf cover you can only claim for these under one section for the same event Special conditions relating to claims 1 You must get the prior approval of the Emergency Medical Assistance Service to confirm the necessity to return home prior to curtailment of the trip due to death bodily injury illness disease or complications arising as a direct result of pregnancy 2 If you fail to notify the travel agent tour operator or provider of transport or accommodation as soon as you find out it is necessary to cancel the trip the amount we will pay will be limited to the cancellation charges that would have otherwise applied 3 If you cancel the trip due to a stress anxiety depression or any other mental or nervous disorder that you are suffering from you must provide at your own expense a medical certificate from either a registered mental health professional if you are under the care of a Community
71. ection by each insured person unless the excess waiver has been purchased as detailed in your policy schedule 2 Normal pregnancy without any accompanying bodily injury illness disease or complication This section is designed to provide cover for unfore seen events accidents illnesses and diseases and normal childbirth would A ay cedartree travel insurance DIRECT 1 10 2015 v1 1 21 not constitute an unforeseen event 3 The cost of your unused original tickets where a the Emergency Medical Assistance Service or we have arranged and or paid for you to return to your home or b we have paid you for any reasonable alternative and or additional travel costs incurred by you to return to your home if you cannot use the return ticket If however you have not purchased a return ticket we reserve the right to deduct the cost of an economy flight based on the cost applicable on the date you come home from any additional costs we have incurred to return you to your home 4 Any claims arising directly or indirectly for a The cost of treatment or surgery including exploratory tests which are not related to the bodily injury or illness which necessitated your admittance into hospital b Any expenses which are not usual reasonable or customary to treat your bodily injury illness or disease c Any form of treatment or surgery which in the opinion of the Emergen cy Medical Assistance Service or us based on informat
72. ed period of your trip and b To trips taken outside the United Kingdom during the published ski season for your resort If no alternative sites are available we will pay you compensation for each day you are unable able to ski up to the maximum amount detailed in your schedule of benefits Special conditions relating to claims 1 You must get at your own expense written confirmation from the rele vant authority ski lift operator or your tour operator s representative of the number of days skiing facilities were closed in your resort and the reason for the closure What is not covered 1 Any circumstances where transport costs compensation or alternative skiing facilities are provided to you 2 The closure or impending closure of the skiing facilities in your resort existing or being publicly announced by the date you purchased this insur ance or at the time of booking any trip 3 Anything mentioned in What is not covered applicable to all sections of the policy Claims evidence We will require at your own expense the following evidence where rele vant A letter from the relevant authority ski lift operator or your tour operator s representative of the number of days skiing facilities were closed in your resort and the reason for the closure Receipts or bills for any transport costs claimed for Details of any travel or other insurance under which you could also claim To make a claim under this se
73. eft of your telephone you must also contact your network provider within 24 hours of discovering the incident to place a call bar on the handset For all claims including theft loss and malicious damage Contact the administrator on 0333 999 7934 local rate call within 2 work ing days of discovering the incident or in the event of an incident occurring outside of the United Kingdom within 2 working days of returning to the United Kingdom Complete the claim form in accordance with their instructions and in any event within 30 days of notifying the claim together with any requested supporting documentation including Police Crime Reference Number if applicable Any other requested documentation Proof of Violent and Forcible Entry if applicable Proof of travel dates The administrator will assess your claim and as long as your claim is valid will authorise the repair or replacement of the gadget as appropriate Please note If we replace your gadget the damaged or lost item becomes ours If it is returned or found you must notify us and send it to us if we ask you to Gadget Complaints It is always the intention to provide you with a first class service However if you are not happy with the service in the first instance If your complaint is about the sale of the insurance please write to Taurus Insurance Services Their contact details are Taurus Insurance Services Limited Suite 322 Eurotowers E
74. ellation rights You may cancel this policy within 14 days of receipt of the policy documents new business and for annual policies the renewal date the cancellation period by writing to the address shown in your policy schedule during the cancellation period Any premium already paid will be refunded to you providing you have not travelled no claim has been made or is intended to be made If you have already travelled a claim has been made under this policy or is intended to be made there will be no refund of premium Cancellation outside the statutory period You may cancel this policy at any time after the cancellation period by writing to the address above shown in your schedule If you cancel after the cancellation period no premium refund will be made We reserve the right to cancel the policy by providing 21 days notice by registered post to your last known address on the following grounds a If you make a fraudulent claim as set out in paragraph 4 Fraudulent claims below b If you are or have been engaged in criminal or unlawful activities c If any policy in your name is added to the Insurance Fraud Register In each case no refund of premium will be made 4 Fraudulent claims Throughout your dealings with us we expect you to act honestly If you or anyone acting for you ava a knowingly provides information to us as part of your application for your policy that is not true and complete to the best of your k
75. ered 8 Anything mentioned in What is not covered applicable to all sections of the policy You should also refer to the Important conditions relating to health Claims evidence We will require at your own expense the following evidence where rele vant Amedical certificate from the treating medical practitioner or in the case of stress anxiety depression or any other mental or nervous disorder either a registered mental health professional if you are under the care of a Community Mental Health Team or if not a consultant specialising in the relevant field explaining why it was necessary for you to cancel or Curtail the trip Inthe case of death causing cancellation or curtailment of the trip A 4y cedartree 20 travel insurance DIRECT 1 10 2015 v1 1 the original death certificate Booking confirmation together with a cancellation invoice from your travel agent tour operator or provider of transport accommodation Inthe case of curtailment claims written details from your travel agent tour operator or provider of transport accommodation of the separate costs of transport accommodation and other pre paid costs or charges that made up the total cost of the trip Your unused travel tickets Receipts or bills for any costs charges or expenses claimed for Inthe case of compulsory quarantine a letter from the relevant authority or the treating medical practitioner Inthe case of jury servi
76. ered We will notify you of your renewal terms at least 21 days prior to your re newal date We are entitled to assume at renewal that your details have not changed and you have the consent of the credit or debit card holder unless you inform us otherwise By purchasing this policy you have provide us with the consent to set up a continuous payment authority This means we are authorised to automati cally renew your policy and apply for renewal payments from your account every year even if your card has expired until you instruct us to stop How to opt out Please contact the Cedar Tree customer helpline on 0203 137 7922 or by emailing directsales cedartreeinsurance com CLAIMS CONDITIONS You must comply with the following conditions to have the full protection of your policy If you do not comply we may void the policy and refuse to deal with any rel evant claims or reduce the amount of any relevant claim payment You must contact us by phone if you want to make a claim using the relevant number given below depending on the type of claim 1 Claims All claims except Gadget cover Scheduled airline failure and End sup plier failure Tel 44 0 20 8667 2465 A ay cedartree 14 travel insurance DIRECT 1 10 2015 v1 1 Rightpath Claims Airport House Purley Way Croydon CRO OXZ Online claims registration www rpclaims com Scheme Code A00806 Gadget Cover For all claims including theft loss and malicious
77. f buggy on a golf course Any court claim form summons letter of claim or other document must be sent to us as soon as you receive it Details of any household travel or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 SECTION V WEDDING CIVIL PARTNERSHIP COVER ONLY OPERATIVE IF INDICATED IN THE SCHEDULE Special definitions relating to this section You your insured person means each person travelling to be married or to enter into a civil partner ship whose names appear in the policy schedule Insured Couple means the Couple travelling to be married or to enter into a civil partner ship whose names appear in the policy schedule Wedding means the religious or civil ceremony at which the Couple become married or register as civil partners of each other Wedding attire means dress suits shoes and other accessories bought specially for the wedding and make up hair styling and flowers paid for or purchased for the wedding forming part of your baggage A ay cedartree travel insurance DIRECT 1 10 2015 v1 1 What is covered 1 We will pay you up to the amount shown in the schedule of benefits for the accidental loss of theft of or damage to the following items detailed below forming part of your baggage or valuables a Wedding ring taken or purchased on the trip for
78. f you are ill or have an accident which means that you need to be admitted to hospital as an in patient or b to arrange transport home if this is considered medically necessary or c to arrange transport home if you are told about the illness or death of a close relative or a close business associate at home It is very important that you call the Emergency Medical Assistance Service as soon as possible If you cannot make the call yourself because the condition requires emergency treatment you or someone on your behalf should contact the Emergency Medical Assistance Service within 24 hours of hospitalisation or as soon as possible after that Reciprocal Health Agreements State in patient treatment EU EEA or Switzerland IMPORTANT If you are travelling to countries within the European Un ion EU the European Economic Area EEA or Switzerland you should obtain a European Health Insurance Card EHIC You can apply for an EHIC either online at www ehic org uk or by telephoning 0300 3301350 The EHIC entitles you to certain free or reduced costs health services in the EU EEA or Switzerland Details of the countries where you can use the EHIC are shown at the end of this section together with information on how to replace your EHIC if it is lost or stolen while you are abroad If you use your EHIC which reduces the cost of medical treatment you will not have to pay the policy excess as detailed in your policy schedule for any emergenc
79. fare paying passenger in a fully licensed passenger carrying aircraft football american amateur only and not main purpose of trip frisbee ultimate frisbee including competitions Ava gaelic football amateur only and not main purpose of the trip go karting within organisers guidelines handball amateur hobie catting if qualified and no racing hot air ballooning organised pleas ure rides only hurling amateur only and not main purpose of trip hydro zorbing in line skating roller blading wearing pads and helmets javelin throwing amateur jogging karting wearing a helmet and no racing korfball amateur netball amateur orienteering pedalos pony trekking wearing a helmet power boating no racing and non competitive rambling rifle range shooting roller skating blading in line skat ing wearing pads and helmets rowing no racing safari trekking tracking in the bush must be organised tour sail boarding wind surfing sand yachting no racing shooting small bore target rifle range shooting within organisers guidelines snorkelling spear fishing without tanks sphering surfing including on board surf simulators swimming with dolphins sydney harbour bridge organised and walking across clipped onto a safety line a cedartree travelinsurance DIRECT 1 10 2015 v1 1 glass bottom boats bubbles golf hiking up to 2500 metres
80. get at your own expense a written report of the loss theft or attempted theft of all business equipment 2 If business equipment is lost stolen or damaged while in the care of a car rier transport company authority hotel or your accommodation provider you must report details of the loss theft or damage to them in writing and get at your own expense written confirmation 3 If business equipment is lost stolen or damaged whilst in the care of an airline you must give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage please keep a copy What is not covered 1 For subsection 1 of What is covered a The excess as shown in the schedule of benefits for each and every claim per incident claimed for under this section by each insured person unless the excess waiver has been purchased as detailed in your policy schedule b Loss theft of or damage to business equipment left unattended at any time including in a vehicle or checked in luggage or while in the custody of a carrier tour operator or public transport operator unless deposited in a hotel safe or safety deposit box or left in your locked accommoda tion c Loss theft or damage to gadgets Claims for gadgets should be made under section U Gadget cover d Loss theft of or damage to business equipment contained in an unat tended vehicle i overnight between 9 pm and 9 am local time or ii a
81. idence where rele vant Full details in writing of any incident Any court claim form summons letter of claim or other document must be sent to us as soon as you receive it Details of any household travel or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 SECTION H DELAYED DEPARTURE What is covered If the public transport on which you are booked to travel 1 is delayed at the final departure point from or to the United Kingdom and in addition for residents of Northern Ireland any departure point in the Republic of Ireland but not including delays to any subsequent outbound or return connecting public transport for at least 12 hours from the sched uled time of departure or 2 is cancelled before or after the scheduled time of departure as a result of any of the following events a strike or b industrial action or c adverse weather conditions or d mechanical breakdown of or a technical fault occurring in the public transport on which you are booked to travel we will pay you 1 Up to the amounts shown in the schedule of benefits for the first com pleted 12 hours delay and each full 12 hours delay after that up to the maxi mum amount shown in the schedule of benefits which is meant to help you pay for telephone calls made and meals and refreshments purchased d
82. identical fully refurbished item or new item where a refurbished is not available Should this not be possible the administrator will replace it with a fully refurbished or new item of a comparable specification or the equivalent value Please note it may not always be possible to replace your gadget with the same colour All replacement gadgets are issued with a 12 month warranty the gadget must be returned to the administrator All repairs to gadgets are issued with a 3 month warranty the gadget must be returned to the administrator What we will not cover 1 The amount of the excess which applies to each and every claim 2 Any loss theft or accidental damage of the gadget left as checked in baggage 3 Any loss theft or accidental damage to the gadget as a result of confisca tion of detention by customs other officials or authorities 4 Any theft unless accompanied by a Police Crime Reference number Lost Property numbers are not acceptable in support of a Theft claim 5 Any claim that occurs whilst not on a trip A ay cedartree 25 travel insurance DIRECT 1 10 2015 v1 1 6 Any damage which occurred to your gadget prior to commencement of your trip 7 Any claim for loss where the circumstances of the loss cannot be clearly identified i e where you are unable to confirm the time and place of the loss 8 Any claim where proof of usage cannot be provided or evidenced appli cable only where the gadget is a mo
83. iled in your policy schedule except claims under subsections 3 and 8 of What is covered 2 Claims arising within the first 7 days after you purchased this insurance or the date you booked any trip whichever is the later which relate to an event which was occurring or you were aware could occur at the time you purchased this insurance or booked the trip whichever is the later 3 Claims arising directly or indirectly from a Strike industrial action or the Travel Advice Unit of the Foreign amp Com monwealth Office FCO or other regulatory authority issuing a directive prohibiting all travel or all but essential travel to the country or specific area or event to which you were travelling existing or being publicly announced by the date you purchased this insurance or booked the trip whichever is the later b An accident to or breakdown of the vehicle in which you are travelling when a repairers report or other evidence is not provided c Breakdown of any vehicle owned by you which has not been serviced properly and maintained in accordance with manufacturer s instructions d An aircraft or sea vessel being withdrawn from service temporary or otherwise on the recommendation or the Civil Aviation Authority Port Authority or any similar body in any country e Denied boarding due to your drug use alcohol or solvent abuse or your passport visa or other documentation required by the public trans port operator or their h
84. ime between 9 am and 9 pm unless it is locked out of sight in a secure baggage area Please see the definition of secure baggage area in the Definitions in the policy wording What is not covered under Section V Wedding Civil partnership cover Valuables bank notes and currency notes left unattended unless in a hotel safe safety deposit box or in your locked accommodation Loss theft or damage to gadgets Claims for gadgets should be made under section E1 Gadget cover or section E2 Gadget cover extension baggage contained in an unattended vehicle between 9 pm and 9 am or at any time between 9 am and 9 pm unless it is locked out of sight in a secure baggage area Please see the definition of secure baggage area in the Definitions in the policy wording Contact or corneal lenses hearing aids dental or medical fittings ski equipment golf equipment and other items are excluded see your policy wording for the full list Business goods samples or tools used in connection with your occupation What is not covered under Section W Cruise cover Valuables left unattended at any time unless in a hotel or ship s safe safety deposit box or in your locked cabin or other accommodation Loss theft or damage to gadgets Claims for gadgets should be made under section E1 Gadget cover and section E2 Gadget cover extension baggage contained in an unattended vehicle between 9 pm and 9 am or at any time be
85. ing evidence where relevant A police report from the local Police in the country where the inci dent occurred for all loss theft or attempted theft A Property Irregularity Report from the airline or a letter from the carrier where loss theft or damage occurred in their custody A letter from your tour operator s representative hotel or accommo dation provider where appropriate All travel tickets and tags for submission Proof of ownership such as an original receipt a valuation original user manual or bank or credit card statements for items lost stolen or damaged and for all items of clothing medication and toiletries replaced if your baggage is temporarily lost in transit for more than 12 hours A letter from the carrier confirming the number of hours your bag gage was delayed for Repair report where applicable Details of any household travel or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 SECTION E1 amp E2 GADGET COVER amp SECTION E2 GADGET COVER EXTENSION ONLY OPERATIVE IF INDICATED IN THE SCHEDULE Please note The following sections apply to your standard gadget cover benefit within your Travel insurance policy and also if you have paid the required premium for the gadget cover extension which will be shown in your schedule Gadget Cover
86. ion of performance claims arising from abuse misuse or neglect agadget where the serial number has been tampered with in any way 16 Any kind of damage whatsoever unless the damaged gadget is provided for repair 17 The VAT element of any claim if you are registered for VAT 18 Reconnection costs or subscription fees of any kind 19 The cost of replacing any personalised ring tones or graphics download ed material or software 20 Any expense incurred as a result of not being able to use the gadget or any loss other than the repair or replacement costs of the gadget Conditions and limitations 1 You are required to take all reasonable precautions at all times 2 The gadget must have valid proof of purchase prior to the commencement of your trip 3 You must provide us with any receipts documents or proof of purchase that it is reasonable for us to request 4 Cover excludes costs or payments recoverable from any party under the terms of any other contract guarantee warranty or insurance Ava Gadget Claims procedure Please comply with the following procedures to obtain authorisation with the minimum delay Failure to observe these procedures might invalidate your claim Theft and Malicious Damage Claims Notify the appropriate local Police authority within 24 hours of discovering the incident and obtain a Crime reference number and a copy of the Police Crime report Should you be claiming for the th
87. ion or occupation 10 Loss or damage caused by wear and tear depreciation loss of value variation in exchange rates atmospheric or climatic conditions moth ver min any process of cleaning repairing or restoring mechanical or electrical breakdown 11 Anything mentioned in What is not covered applicable to all sections of the policy Claims evidence We will require at your own expense the following evidence where rele vant A police report from the local Police in the country where the inci dent occurred for all loss damage theft or attempted theft A Property Irregularity Report from the airline or a letter from the carrier where loss theft or damage occurred in their custody A letter from your tour operator s representative hotel or accommo dation provider where appropriate All travel tickets and tags for submission Proof of ownership such as an original receipt a valuation original user manual or bank or credit card statements Repair report where applicable Amedical certificate from the treating medical practitioner or rele vant transport provider or authority explaining why the professional photographer was unable to fulfil his her obligations Details of any household travel or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 A ay cedar
88. ion provided by the medical practitioner in attendance can be delayed reasonably until your return to your home area d Expenses incurred in obtaining or replacing medication which you know you will need at the time of departure or which will have to be continued outside of your home area Where possible and with the agreement of your medical practitioner you should always travel with plenty of extra medication in case of travel delays e Additional costs arising from single or private room accommodation f Treatment or services provided by a health spa convalescent or nursing home or any rehabilitation centre unless agreed by the Emergency Medi cal Assistance Service g Any costs incurred by you to visit another person in hospital h Any expenses incurred after you have returned to your home area i Any expenses incurred in England Scotland Wales Northern Ireland the Isle of Man or the Channel Islands which are i for private treatment or ii are funded by or are recoverable from the Health Authority in your home area or iii are funded by a reciprocal health agreement RHA between these countries and or islands j Expenses incurred as a result of a tropical disease where you have not had the NHS recommended inoculations and or not taken the NHS recommended medication k Any expenses incurred after the date on which we exercise our rights under this section to move you from one hospital to another and or ar
89. is not covered 1 The excess as shown in the schedule of benefits for each and every claim per incident claimed for under this section by each insured person unless the excess waiver has been purchased as detailed in your policy schedule 2 Claims arising directly or indirectly from a strike or industrial action existing or being publicly announced by the date you purchased this insurance or at the time of booking any trip b An aircraft or sea vessel being withdrawn from service temporary or otherwise on the recommendation of the Civil Aviation Authority Port Authority or any such regulatory body in a country to from which you are travelling c Any delays to any subsequent outbound or return connecting public transport following your departure from the final departure point from or to the United Kingdom and in addition for residents of Northern Ireland any departure point in the Republic of Ireland d Volcanic eruptions and or volcanic ash clouds 3 For subsection 2 only of What is covered a The cost of Air Passenger Duty APD whether irrecoverable or not b Travel tickets paid for using any airline mileage or supermarket reward scheme for example Avios unless evidence of specific monetary value can be provided c We will only consider the unused pre paid expenses of a person who is insured under this policy For example if you are travelling with someone who is not insured under this policy we will only pay your p
90. istrators Ltd Enterprise House Isambard Brunel Road Portsmouth PO1 2RX Phone 0333 999 7934 local rate call E mail customerrelations citymain com Scheduled Airline Failure and End Supplier Failure Any complaint you may have should in the first instance be ad dressed to The Claims Manager IPP Claims Office IPP House 22 26 Station Road West Wickham Kent BR4 OPR Tel 020 8776 3752 E mail info ipplondon co uk All emergency medical assistance complaints Tel 44 0 2920 474139 Fax 44 0 2920 468797and USA toll free fax 802 419 8222 Email operations global response co uk If your complaint relates to your policy please contact us on 0203 137 9479 complaints cedartreeinsurance com When you make contact please provide the following information Your name address and postcode telephone number and e mail address if you have one Your policy and or claim number and the type of policy you hold The reason for your complaint Any written correspondence should be headed COMPLAINT and you may include copies of supporting material Beyond AXA Should you remain dissatisfied following our final written response you may be eligible to refer your case to the Financial Ombudsman Service The Financial Ombudsman Service is an independent body that arbitrates on complaints about general insurance products You have six months from a a7 cedartree ava travel insurance DIRECT 1 10 2015 v1 1
91. le to all sections of the policy Claims evidence We will require at your own expense the following evidence where rele vant Relevant documentation and evidence to support your claim including photographic evidence Details of any travel or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 SECTION K HIJACKING Special definitions relating to this section Hijack means the unlawful seizure or wrongful exercise of control of an aircraft or sea vessel that you are travelling on as a fare paying passenger What is covered If you are prevented from reaching your scheduled destination as a result of hijack of the aircraft or ship in which you are travelling we will pay you the amount shown in your schedule for the first full 24 hours of delay and the amount shown in your schedule for each subsequent full 24 hours of delay up to the amount shown in your schedule This benefit is only payable if no claim is made under Section A Cancellation or curtailment charges or Section H Delayed departure Special conditions relating to claims 1 You have not engaged in any political or other activity which would prejudice this insurance 2 You have no family or business connections that could be expected to prejudice this insurance or increase our risk 3 All your visas and documen
92. leaning repairing or restoring mechanical or electrical breakdown 5 Anything mentioned in What is not covered applicable to all sections of the policy Claims evidence We will require at your own expense the following evidence where relevant A police report from the local Police in the country where the inci dent occurred for all loss theft or attempted theft A Property Irregularity Report from the airline or a letter from the carrier where loss theft or damage occurred in their custody A letter from your tour operator s representative hotel or accommo dation provider where appropriate All travel tickets and tags for submission Proof of ownership such as an original receipt valuation or bank or credit card statements for items lost stolen or damaged Repair report where applicable Details of any household travel or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 SECTION O SKI EQUIPMENT HIRE ONLY OPERATIVE IF INDICATED IN THE SCHEDULE What is covered We will pay you up to the amount shown on the schedule of benefits for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss of theft of or damage to or temporary loss in transit for more than 24 hours of your own ski equipment Special conditions relating
93. lies per claim per insured person Family cover means up to two adults and up to 9 of their children step children or foster children aged under 18 accompanying the parents or legal guardian insured on the same policy travelling on any trip to the same destination The chil dren are only insured when travelling with one or both of the insured adults or accompanied by another responsible adult but under annual multi trip cover either adult is also insured to travel on their own Gadget means the following item s purchased by you insured under the gadget insurance sections E1 and E2 as shown in your policy schedule Mobile Phones Smart Phones Laptops Tablets Desktops Digital Cameras PC Monitors MP3 Players CD DVD Players Games Consoles Video Cameras Camera Lenses Bluetooth Headsets Satellite Navigation Devices PDAs E Readers Head Ear Phones Wearable Technology such as a Smart Watch or a Health and Fitness Tracker Golf equipment means golf clubs golf balls golf bag golf trolley and golf shoes Home means your normal place of residence in the United Kingdom Home area For residents of the United Kingdom excluding Channel Islands and the Isle of Man your home area means the United Kingdom excluding Channel Is lands and the Isle of Man For residents of the Channel Islands and the Isle of Man your home area means either the particular Channel Island on which you live or the Isle of Man depending on where
94. line failure and M2 End supplier failure Under sections E1 and E2 of this policy means AmTrust Europe Limited Registered in England No 1229676 Registered address Market Square House St James s Street Nottingham NG1 6FG Under sections M1 and M2 of this policy means certain underwriters at Lloyd s You Your Yourself Insured person means each person travelling on a trip whose name appears in the policy schedule GENERAL CONDITIONS APPLICABLE TO THE WHOLE POLICY You must comply with the following conditions to have the full protection of your policy If you do not comply with them we may at our option take one or more of the following actions cancel the policy as detailed under this section declare your policy void treating your policy as if it never existed refuse to deal with any relevant claims or reduce the amount of any relevant claim payments 1 Dual insurance If at the time of any incident which results in a claim under this policy there is another insurance covering the same loss damage expense or liability we will not pay more than our proportional share not applicable to Section D Personal accident 2 Reasonable precautions At all times you must take all reasonable precautions to avoid injury illness disease loss theft or damage and take all reasonable steps to safeguard your property from loss or damage and to recover property lost or stolen 3 Cancellation Statutory canc
95. ll currency and travellers cheques transactions Details of any household travel or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 SECTION G PERSONAL LIABILITY What is covered We will pay you up to the amounts shown in the schedule of benefits in cluding legal costs and expenses against any amount you become legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause for accidental 1 Bodily injury death illness or disease to any person who is not in your employment or who is not a close relative or persons residing with you but not paying for their accommodation 2 Loss of or damage to property that does not belong to and is neither in the charge of nor under the control of you a close relative and or anyone in your employment other than any temporary holiday accommodation occupied but not owned by you Special conditions relating to claims 1 You must give us written notice of any incident which may result in a claim as soon as possible 2 You must send us every court claim form summons letter of claim or other document as soon as you receive it 3 You must not admit any liability or pay offer to pay promise to pay or negotiate any claim without our permission in writing 4 We will be entitled t
96. lternative and or additional trav el costs incurred by you to come home following curtailment of the trip If however you have not purchased a return ticket we reserve the right to deduct the cost of an economy flight based on the cost applicable on the date you come home from any additional costs we have incurred which are medically necessary to repatriate you to your home 4 The cost of Air Passenger Duty APD whether irrecoverable or not 5 Any claims arising directly or indirectly from a Your misconduct or misconduct by any person who you are travelling with or have arranged to travel with leading to dismissal your their resignation voluntary redundancy you them entering into a compromise agreement or where you they had received a warning or notification of redundancy before you purchased this insurance or at the time of booking any trip b Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip 6 Travel tickets paid for using any airline mileage or supermarket reward scheme for example Avios unless evidence of specific monetary value can be provided 7 Accommodation costs paid for using any Timeshare Holiday Property Bond or other holiday points scheme In addition any property maintenance costs fees or charges incurred by you as part of your involvement in such schemes is not cov
97. ly injury whilst being mugged if you are admitted to a hospital as an inpatient for a period of up to 24 hours and the amount shown in your schedule for each additional 24 hour period that you remain as an inpatient You may claim only under Section L Mugging cover or Section C Hospi tal benefit for the same event not both Depending on the cover you have selected you should always check which section is more specific to the event and or provides the highest level of cover before claiming Special conditions relating to claims 1 You must give notice as soon as possible to the emergency medical assis tance service or us of any bodily injury which necessitates your admittance to hospital as an in patient 2 You must obtain a written report of the mugging from the local Police within 24 hours of the incident or as soon as possible after that What is not covered Any claims arising directly or indirectly from Any additional period of hospitalisation relating to treatment or surgery including exploratory tests which are not directly related to the bodily injury which necessitated your admittance into hospital Hospitalisation relating to any form of treatment or surgery which in the opinion of emergency medical assistance service or us based on information provided by medical practitioner in attendance can be delayed reasonably until your return to your home area Any additional period of hospitalisation relating to
98. mediately before your departure on the outward journey Ava The maximum we will pay you for bank notes currency notes and coins is shown in the schedule of benefits The maximum amount we will pay for currency notes and coins if you are under the age of 18 is shown in the schedule of benefits The maximum amount we will pay for all other personal money and documents including the cost of the emergency replacement or temporary passport or visa obtained outside your home area and the value of the unused portion of your passport visa or driving licence is shown in the schedule of benefits 2 We will pay you up to the amount shown in the schedule of benefits for reasonable additional travel and accommodation expenses necessarily incurred outside your home area to obtain a replacement of your passport known as an emergency travel document or visa which has been lost or stolen outside your home area This includes reasonable additional travel and accommodation expenses incurred because you were unable to board the public transport on which you were booked to return to the United Kingdom or continue your trip as a result of the accidental loss of theft of or damage to your passport and or visa Special conditions relating to claims 1 You must report to the local Police in the country where the incident oc curred within 24 hours of discovery or as soon as possible after that and get at your own expense a written report of the los
99. n 28 days in total in each period of insurance under annual multi trip policies and for the period of the trip under single trip policies 5 Professional sports or entertaining Your participation in or practice of any professional sports or professional entertaining 6 Other sports or activities Your participation in or practice of any other sport or activity manual work driving any motorised vehicle or racing unless a specified in the list on pages 17 and 18 or b shown as covered in your schedule 7 Suicide drug use or solvent abuse Your wilfully self inflicted injury or illness suicide or attempted suicide sex ually transmitted diseases solvent abuse drug use other than drugs taken in accordance with treatment prescribed and directed by a medical practi tioner but not for the treatment of drug addiction and putting yourself at needless risk except in an attempt to save human life 8 Alcohol abuse misuse You drinking too much alcohol or alcohol abuse where it is reasonably foreseeable that such consumption could result in an impairment of your physical ability and or judgement resulting in a claim We do not expect you to avoid alcohol on your trips or holidays but we will not cover any claims arising because you have drunk so much alcohol that your judgement is seriously affected or you are suffering from alcohol dependence or directly or indirectly from the symptoms of alcohol withdrawal and or you need to make a
100. nd Flight Only and Flight Plus Arrangements or by way of a bond held by a trade association such as the Association of British Travel Agents ABTA scheme if your package holiday does not include a flight A ay cedartree 37 travel insurance DIRECT 1 10 2015 v1 1 8 Where applicable you must get at your own expense written confirma tion or other evidence from the public transport operator or their handling agents and or provider of accommodation or their booking agents or the administrators of either that compensation assistance or reimbursement of any costs charges and expenses incurred by you will not be provided and the reason for this 9 You must report to the local Police in the country where the incident oc curred within 24 hours of discovery or as soon as possible after that and get at your own expense a written report of the loss theft or attempted theft of your passport or visa 10 If your passport or visa is lost stolen or damaged while in the care of a hotel or your accommodation provider you must report details of the loss theft or damage to them in writing and get at your own expense written confirmation Keep all travel tickets and tags for submission if a claim is to be made under this policy What is not covered 1 The excess as shown in the schedule of benefits for each and every claim per incident claimed for under this section by each insured person unless the excess waiver has been purchased as deta
101. nowledge and belief or b knowingly makes a fraudulent or exaggerated claim under your policy or c knowingly makes a false statement in support of a claim or d submits a knowingly false or forged document in support of a claim or e makes a claim for any loss or damage caused by your wilful act or caused with your agreement knowledge or collusion Then a we may prosecute fraudulent claimants b we may make the policy void from the date of the fraudulent act c we will not pay any fraudulent claims d we will be entitled to recover from you the amount of any fraudulent claim already paid under your policy since the start date e we may inform the Police of the circumstances 5 Automatic renewals on annual multi trip policies If you are an Annual Multi Trip policyholder we will automatically renew your policy each year unless you have advised us that you do not want your policy to be automatically renewed or you no longer meet the eligi bility criteria to be a Cedar Tree policyholder We will write to you prior to the renewal date of your policy to remind you that your policy is due to be renewed Unless you have previously advised us that you do not want your policy to be renewed or at renewal you have advised us that you no longer wish to renew your policy or you are no longer eligible for cover the renewal premiums will again be collected from your specified credit or debit card to make sure that you are always cov
102. ns may jeopardise your claim or cover Ifyou are travelling to Australia and you require medical treatment you must enrol with a local Medicare office Special conditions apply to each section of your policy Please refer to the policy wording for full details cedartree ava travel insurance DIRECT 1 10 2015 v1 1 SCHEDULE OF BENEFITS The table below shows the maximum benefits you can claim for each insured person unless otherwise stated Some sections are optional and these are marked Your policy schedule will show if you selected any of these options Cover Section Silver Excess Gold Excess Platinum Excess SectionA Cancellation and Curtailment 3 000 50 5 000 50 7 500 Nil Charges Section B Emergency Medical and other expenses 15 000 000 50 15 000 000 50 15 000 000 Nil Emergency Dental 250 500 500 Funeral Expenses Abroad 5 000 5 000 5 000 Hospital benefit 20 for each 24 hour Nil 30 for each 24 hour Nil 50 foreach 24hour Nil period up to 200 period up to 1 000 period up to 1 500 Pet Care 15 for each 24 hour Nil 20 for each 24 hour Nil 25 foreach 24hour Nil period up to 150 period up to 200 period up to 250 Permanent Total Disablement 1 000 up to 66 Nil 10 000 up to 66 Nil 10 000 up to 66 Nil Nil 67 and over Nil 67 and over Nil 67 and over Loss of limb s eye s 1 000 up to 66 10 000 up to 66 10 000 up to 66 Nil 67 and ove
103. ns that the gadget has been accidentally left by you in a location and you are permanently deprived of its use Malicious Damage the intentional or deliberate actions of another party which causes damage to your gadget Proof of Purchase the original purchase receipt provided at the point of sale that gives details of the gadget purchased or similar documents that provide proof that you own the gadget Proof of Usage Means evidence that shows your gadget has been in use before the event giving rise to the claim Where the gadget is a mobile phone this evidence can be obtained from your phone network provider For other gadgets such as laptops in the event of an accidental damage claim this may be determined through inspection by our repairers Taurus Taurus Insurance Services Limited Theft Means the dishonest removal of the gadget from your possession by a third party with the intention of permanently depriving you of it Travel insurance policy your Cedar Tree Travel insurance policy Ava Violent and Forcible Entry entry evidenced by visible damage to the fabric of the building room or vehicle at the point of entry We us our the Insurers Amtrust Europe Limited specific to section E1 and E2 What we will cover A Accidental damage We will pay the repair or replacement costs if your gadget is damaged as the result of an accident B Theft If your gadget is stolen we will replace it Where only part or
104. nsolvency is known at the date of your application under this policy b any scheduled airline that is bonded or insured elsewhere even if the bond is insufficient to meet the claim c any scheduled airline in Chapter 11 its equivalent or any threat of insolvency being known as at the date of your application under this policy 3 The financial failure of any travel agent tour organiser booking agent or consolidator with whom You have booked a scheduled flight 4 Any loss for which a third party is liable or which can be recovered by other legal means 5 Any losses which are not directly associated with the incident that caused You to claim For example loss due to being unable to reach a pre booked hotel villa car hire or cruise following the financial failure of an airline Please also refer to the What is not covered shown on page 16 of this policy wording for details of what is not covered Ava SECTION M2 END SUPPLIER FAILURE ONLY OPERATIVE IF INDICATED IN THE SCHEDULE Please note Cover is only provided under this section if You have pur chased a Platinum policy What You are covered for under section M2 We will pay up to the amount shown in the table of benefits for each In sured person named on the Invoice for Irrecoverable sums paid in advance in the event of insolvency of the Scheduled Airline Hotel Train Operator including Eurostar Car Ferries Villas abroad amp Cottages in the UK Coa
105. nt Written confirmation from the treating physiotherapist confirming the bodily injury you sustained and the continuation of treatment provided Receipts or bills for all physiotherapy treatment received Details of any travel or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 SECTION T TRAVEL DISRUPTION COVER ONLY OPERATIVE IF INDICATED IN THE SCHEDULE What is covered Before you reach your destination 1 We will pay you for your proportion only of any unused travel accom modation and other pre paid charges that you cannot claim back from any other source if you cannot travel and have to cancel your trip as a result of a The public transport on which you were booked to travel from your home area being cancelled or delayed for at least 12 hours from the scheduled time of departure but not including your unused travel costs where the cancellation or delay is caused by the insolvency of the public transport operator or b You being involuntarily denied boarding because there are too many passengers for the seats available and no suitable alternative flight could be provided within 12 hours or c The Travel Advice Unit of the Foreign amp Commonwealth Office FCO or other regulatory authority in a country to from which you are travelling advising against all travel or all
106. nternational Passenger Protection Limited who are authorised and regulated by the Financial Conduct Authority Register Number 311958 What You are covered for under section M1 We will pay up to the amount shown in the table of benefits for each In sured person named on the Invoice and Airline Ticket for lrrecoverable sums paid in advance in the event of Insolvency of the scheduled airline not forming part of an inclusive holiday prior to departure or Inthe event of Insolvency after departure i additional pro rata costs incurred by You in replacing that part of the flight arrangements to a similar standard of transportation as enjoyed prior to the curtailment of the travel arrangements or ii if curtailment of the Trip is unavoidable the cost of return flights to the United Kingdom Isle of Man Channel Islands or Northern Ireland to a similar standard of transportation as enjoyed prior to the curtailment of the travel arrangements PROVIDED THAT in the case of i and ii above where practicable You have obtained our approval prior to incurring the relevant costs by contacting us as set out under the claims procedure What You are not covered for under section M1 1 Scheduled flights not booked within the United Kingdom Isle of Man Channel Islands or Northern Ireland prior to departure 2 Any costs resulting from the Insolvency of a any scheduled airline which is insolvent or in respect of which any prospect of I
107. ny golfing trips taken by you Loss of green fees In addition to the cover provided under Section A Cancellation or curtail ment charges we will pay you up to the amount shown in the schedule of benefits per day up to the maximum amount detailed for any irrecoverable unused green fees which you have paid or are contracted to pay if a cancellation of the trip is necessary and unavoidable or b the trip is curtailed before completion as a result of any of the events detailed under What is covered in Section A Cancellation or curtailment charges occurring Golf equipment cover What is covered In addition to the cover provided under Section E Baggage we will pay you Ava 1 Up to the amount shown in the schedule of benefits for the accidental loss of theft of or damage to golf equipment The amount payable will be the value at today s prices less a deduction for wear tear and depreciation loss of value or we may replace reinstate or repair the lost or damaged golf equipment 2 Up to the amount shown in the schedule of benefits for the emergency replacement of golf equipment if your golf equipment is temporarily lost in transit during the outward journey and not returned to you within 12 hours as long as we receive written confirmation from the carrier confirming the number of hours the golf equipment was delayed If the loss is permanent we will deduct the amount already paid from the final amount to be paid un
108. o take over and carry out in your name the defence of any claims for compensation or damages or otherwise against any third party We will have full discretion in the conduct of any negotiation or pro ceedings or in the settlement of any claim and you will give us all necessary information and assistance which we may require 5 If you die your legal representative s will have the protection of this cover as long as they comply with the terms and conditions outlined in this policy ava What is not covered 1 The excess as shown in the schedule of benefits for each and every claim per incident claimed for under this section by each insured person unless the excess waiver has been purchased as detailed in your policy schedule 2 Compensation or legal costs arising directly or indirectly from a Liability which has been assumed by you under agreement such as a hire agreement unless the liability would have existed without the agree ment b Pursuit of any business trade profession or occupation or the supply of goods or services c Ownership possession or use of mechanically propelled vehicles aircraft or watercraft other than surfboards or manually propelled rowing boats punts or canoes d The transmission of any contagious or infectious disease or virus 3 Anything mentioned in What is not covered applicable to all sections of the policy Claims evidence We will require at your own expense the following ev
109. od of insurance as detailed in your policy schedule for your selected cover provided no single trip lasts longer than the following durations 32 days if you have bought Silver cover 45 days if you have bought Gold cover or 90 days if you have bought Platinum cover If you have purchased a Winter Sports Annual Multi Trip policy cover is also provided for up to 28 days in total for winter sports within the period of insurance Single Trip This provides you with cover to travel on one trip up to 31 days within the period of insurance Cancellation period You are free to cancel this policy at any time If you wish to cancel within 14 days of receipt of the policy documents you may do so by writing to us for a full refund providing you have not travelled and no claim has been made If you cancel after the first 14 days of receipt of the documents no premium refund will be made See General conditions applicable to the whole policy in the policy wording for full details Claim notification To make a claim under all sections except Gadget cover and Scheduled Airline Failure End Supplier Failure please contact Rightpath Claims Airport House Purley Way Croydon CRO OXZ Tel 020 8667 2465 Online Claims Registration www rpclaims com Scheme Code A00806 To make a claim for Gadget Cover please contact Cedar Tree Travel Gadget Claims Citymain Administrators Ltd Enterprise House Isambard Brunel Road Portsmouth
110. odily injury illness or disease we reserve the right to move you from one hospital to another and or arrange for your repatriation to the United Kingdom at any time during the trip We will do this if in the opinion of the Emergency Medical Assistance Service or us based on infor mation provided by the medical practitioner in attendance you can be moved safely and or travel safely to your home area or a suitable hospital nearby to continue treatment 4 The intention of this section is to pay for emergency medical surgical dental treatment only and not for treatment or surgery that can be reason ably delayed until your return to your home area Our decisions regarding the treatment or surgery that we will pay for including repatriation to your home area will be based on this If you do not accept our decisions and do not want to be repatriated then we will cancel your cover under the medical related sections being Section A Cancellation or curtailment charges Section B Emergency medical and other expenses Section C Hospital benefit and Section D Personal acci dent of your policy and refuse to deal with claims from you for any further treatment and or your repatriation to your home area Cover for you under all other operative sections will however continue for the remainder of your trip What is not covered 1 The excess as shown in the schedule of benefits for each and every claim per incident claimed for under this s
111. olence and or the threat thereof of any person or group s of persons whether acting alone or on behalf of or in connection with any organisation s or govern ments committed for political religious ideological or similar purposes in cluding the intention to influence any government and or to put the public or any section of the public in fear Trip means any holiday pleasure trip or journey made by you within the area of travel shown in the schedule which begins and ends in your home area during the period of insurance but excluding one way trips or journeys However any trip that had already begun when you purchased this insur ance will not be covered except where this policy replaces or you renew an existing annual multi trip policy which fell due for renewal during the trip If annual multi trip cover is selected any trip not exceeding the maximum trip length as confirmed in your policy schedule is covered but limited to 28 days in total in each period of insurance for winter sports provided you have paid the appropriate winter sports premium to include this cover If any trip exceeds the maximum trip length as confirmed in your policy schedule days or 28 days in the case of winter sports there is no cover under this policy for any additional days over the maximum trip length as confirmed in your policy schedule or 28 day period in respect of winter sports trips unless you have contacted us and we have agreed in writing
112. on of your business c Anything mentioned in What is not covered applicable to all sections of the policy Claims evidence We will require at your own expense the following evidence where rele vant A police report from the local Police in the country where the inci dent occurred for all loss theft or attempted theft A Property Irregularity Report from the airline or a letter from the carrier where loss theft or damage occurred in their custody A letter from your tour operator s representative hotel or accommo dation provider where appropriate All travel tickets and tags for submission Proof of ownership such as an original receipt a valuation original user manual or bank or credit card statements Repair report where applicable Amedical certificate from the treating medical practitioner explain ing why you were unable to make the business trip Inthe event of death the original death certificate Your unused travel tickets Receipts or bills for any transport accommodation or other costs charges or expenses claimed for Details of any household travel or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 A ay cedartree travel insurance DIRECT 1 10 2015 v1 1 43 MAKING A COMPLAINT AXA Insurance UK plc aims to provide the highest
113. or a period no more than 28 days in total in each period of insurance providing the appropriate winter sports section is shown as operative in the schedule and the appropriate additional premium has been paid SECTION N SKI EQUIPMENT ONLY OPERATIVE IF INDICATED IN THE SCHEDULE What is covered We will pay you up to the amount shown on the schedule of benefits for the accidental loss of theft of or damage to your own ski equipment or up to the amount shown for hired ski equipment The amount payable in the event of a total loss will be the value at today s prices less a deduction for wear tear and depreciation loss of value calculated from the table below or we may replace reinstate or repair the lost or damaged ski equipment Age of ski equipment Amount payable Less than 1 year old 90 of value Over 1 year old 70 of value Over 2 years old 50 of value Over 3 years old 30 of value Over 4 years old 20 of value Over 5 years old No payment The maximum we will pay for any one article pair or set of articles is the amount payable calculated from the table above up to the amount shown on the schedule of benefits whichever is the less Special conditions relating to claims 1 You must report to the local Police in the country where the incident occurred within 24 hours of discovery or as soon as possible after that and get a written report at your own expense of the loss theft or attempted theft of all ski
114. or at any time between 9 am and 9 pm unless it is locked out of sight in a secure baggage area Please see the definition of secure baggage area in the Definitions in the policy wording Loss theft or damage to gadgets Claims for gadgets should be made under section E1 Gadget cover or E2 Gadget cover exten sion Contact or corneal lenses hearing aids dental or medical fittings ski equipment golf equipment and other items are excluded See your policy wording for the full list Business equipment business goods samples or tools used in connection with your occupation What is not covered under Section E1 Gadget Cover amp E2 Gadget Cover Extension Any loss theft or damage whilst not on a trip Loss where the circumstances cannot be clearly identified i e where you are unable to confirm the time and place of the loss Any claim involving theft unless reported to the appropriate local police authorities and the network within 24 hours of discovering the incident Theft of the gadget from the person unless force or threat of vio lence is used Any loss theft or accidental damage of the gadget left as checked in baggage Theft of the gadget from an unoccupied premise whilst on your trip unless there is evidence of violent and forcible entry to the premises Theft or accidental damage to the gadget whilst in the possession of anyone else other than your immediate family Repair or o
115. pecific area you have travelled to providing the advice came into force after you left your home area to commence the trip or d Curtail your trip with prior authorisation of the Emergency Medical Assistance Service as a result of the accidental loss of theft of or damage to your passport and or visa which meant that you could not continue with your planned itinerary and or were denied boarding on the public transport on which you were booked to travel or in the case of a cruise ship stay On the way home 7 We will pay you up to the amount shown in the schedule of benefits for your proportion only of any reasonable additional travel including up to 200 for taxis and hire cars and accommodation costs which are of a similar standard to that of your pre booked travel and accommodation for exam ple full or half board all inclusive bed and breakfast self catering or room only that you cannot claim back from any other source if you have to make alternative arrangements to return to your home or stay longer outside of your home area as a result of a The public transport on which you were booked to travel to your home area including any onward connecting public transport being cancelled or delayed for at least 12 hours from the scheduled time of departure but not including your unused travel costs where the cancellation or delay is caused by the insolvency of the public transport operator or being diverted or re directed after tak
116. portunity to put things right and improve our service to you Please telephone us on 020 8776 3750 Or write to The Customer Services Manager International Passenger Protection Limited IPP House 22 26 Station Road West Wickham Kent BR4 OPR Fax 020 8776 3751 Email info ipplondon co uk Please make sure that you quote the policy number which can be found on your policy statement It is our policy to acknowledge any complaint within 5 working days advis ing you of who is dealing with your concerns and attempt to address them We will provide you with a written response outlining our detailed response to your complaint within two weeks of receipt of the complaint If our inves tigations are ongoing we will write to you at that time and outline why we are not in a position to provide you with a written response and explain to you that you are able at that time to ask Lloyd s Complaints Team to review the complaint In any event you will receive either our written response or an explanation as to why we are not in a position to provide one within four weeks of receipt of your complaint Having followed the above procedure if you are not satisfied with the response you may write to Complaints Team Lloyd s One Lime Street London EC3N 7HA Email complaints lloyds com More information can be found on their website www lloyds com complaints Again if you are not satisfied with the response you receive from
117. premium to include this cover Under these policies Section A Cancellation cover will be operative from the date stated in the schedule or the time of booking any trip whichever is the later date and terminates on commencement of any trip means if single trip cover is selected the period of the trip and terminat ing upon its completion but not in any case exceeding the period shown in the schedule Under these policies Section A Cancellation cover will be operative from the time you pay the premium For all other sections of the policy including Section A curtailment cover whichever cover is selected the insurance starts when you leave your home to start the trip and ends at the time of your return to your home on completion of the trip However any trip that had already begun when you purchased this insur ance will not be covered except where this policy replaces or you renew an existing annual multi trip policy which fell due for renewal during the trip The period of insurance is automatically extended for the period of the de lay in the event that your return to your home area is unavoidably delayed due to an event insured by this policy Personal money means bank notes currency notes and coins in current use travellers and other cheques postal or money orders pre paid coupons or vouchers travel tickets event and entertainment tickets phone cards money cards and credit debit or pre pay charge cards all held
118. r Nil 76 and over Nil 67 and over Death 1 000 age 18 66 10 000 age 18 66 10 000 age 18 66 Nil U18 67 and over 1 000 U18 67 and 1 000 U18 67 and over over Baggage 2 000 50 2 000 50 3 000 Nil Single Item Pair Set Limit 150 300 500 Valuables Limit 150 300 500 Baggage Delay 25 after each 12 hour Nil 50 after each 12 hour Nil 100 after each 12 Nil Over 12 hours period up to 150 period up to 300 hour period up to 500 Section E1 Gadget Cover cover per policy except groups where it applies per person Accidental damage 200 50 250 50 300 Nil Theft and Loss Section E2 Gadget Cover Extension cover per policy except groups where it applies per person Option 1 1 000 50 1 000 50 1 000 Nil Single Item Limit 500 500 500 Option 2 2 000 50 2 000 50 2 000 Nil Single Item Limit 750 750 750 Option 3 3 000 50 3 000 50 3 000 Nil Single Item Limit 1 000 1 000 1 000 Unauthorised Usage 1 000 Nil 1 000 Nil 1 000 Nil A ay cedartree ava travelinsurance DIRECT 1 10 2015 v1 1 Cover Section Silver Excess Excess Platinum Excess Section F Personal money 300 50 300 50 400 Nil Cash Limit 200 250 300 50 U18 75 U18 100 U18 Replacement Passport and 100 300 500 Travel Documents Personal Liability 2 000 000 50 2 000 000 50 2 000 000 Nil Delayed Departure 25 foreach 12ho
119. r damage to baggage contained in an unattended vehicle a overnight between 9 pm and 9 am local time or b at any time between 9 am and 9 pm local time unless Ava i it is locked out of sight in a secure baggage area and ii Violent and Forcible Entry has been used by an unauthorised person to gain entry into the vehicle and evidence of this entry is available 5 Loss or damage due to delay confiscation or detention by customs or any other authority 6 Loss theft of or damage to unset precious stones contact or corneal lenses hearing aids dental or medical fittings antiques musical instru ments documents of any kind bonds securities perishable goods such as foodstuffs bicycles ski equipment golf equipment and damage to suitcases unless the suitcases are entirely unusable as a result of one single incidence of damage 7 Loss or damage due to cracking scratching breakage of or damage to china glass other than glass in watch faces cameras binoculars or telescopes porcelain or other brittle or fragile articles unless caused by fire theft or accident to the aircraft sea vessel train or vehicle in which they are being carried 8 Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use 9 Loss theft of or damage to business equipment business goods samples tools of trade motor accessories and other items used in connection with your business trade profess
120. range for your repatriation but you decide not to be moved or repatri ated 5 Anything mentioned in What is not covered applicable to all sections of the policy You should also refer to the Important conditions relating to health Claims evidence We will require at your own expense the following evidencewhere relevant ava Receipts or bills for all in patient out patient treatment or emergen cy dental treatment received Inthe event of death the original death certificate and receipts or bills for funeral cremation or repatriation expenses Receipts or bills for taxi fares to or from hospital claimed for stating details of the date name and location of the hospital concerned Receipts or bills or proof of purchase for any other transport accom modation or other costs charges or expenses claimed for including calls to the Emergency Medical Assistance Service Details of any travel private medical or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 For medical assistance and or repatriation claims 44 0 2920 474139 SECTION C HOSPITAL BENEFIT What is covered We will pay you up to the amount shown in the schedule of benefits for every complete 24 hours you have to stay in hospital as an in patient or are confined to your accommodation due to your compulsor
121. ravel and use your booked accommodation or curtailing the trip before comple tion as provided for under subsections 1 and 6 c of What is covered under Section T Travel disruption cover when operative 14 Unauthorised access to controlled or restricted areas or the unauthorised use of swimming pools You gaining access to controlled or restricted areas and or the unauthorised use of swimming pools outside of the specified opening times A ay cedartree travel insurance DIRECT 1 10 2015 v1 1 16 The following lists detail the sports and activities that this policy will cover without charge when you are participating on a recreational and non professional basis during any trip Any involvement is these sports and or activities is subject to your compliance with local laws and regulations and the use of recommended safety equipment such as helmet harness knee and or elbow pads and eye protection If you are participating in any other sports or activities not mentioned please telephone our customer helpline on 0203 137 7922 as we may be able to offer cover for an additional premium Details of those sports and activities which you have purchased cover for will be added to your policy schedule No cover under Section G Personal liability for those sports or activities marked with A piste is a recognised and marked ski run within the resort boundaries abseiling within organisers guide lines aerobics amateur a
122. re baggage area in the Definitions in the policy wording A deduction for wear tear and depreciation will be made on ski equipment see table in Section N Ski equipment What is not covered under Section T Travel disruption cover Claims arising within the first 7 days after you purchased this insur ance or the date you booked any trip whichever is the later which relate to an event which was occurring or you were aware could occur at the time you purchased this insurance or booked the trip whichever is the later Any claims arising whilst you are on a day trip Strike industrial action or the Travel Advice Unit of the Foreign and Commonwealth Office FCO or other regulatory authority issuing a directive prohibiting all travel or all but essential travel to the coun try or specific area or event to which you were travelling existing or being publicly announced by the date you purchased this insurance or at the time of booking any trip Denied boarding due to your drug use alcohol or solvent abuse or your inability to provide a valid passport visa or other documenta tion required by the public transport operator The cost of Air Passenger Duty APD whether irrecoverable or not Any costs incurred by you which are recoverable from the providers of the accommodation or their administrators or for which you receive or are expected to receive compensation or reimbursement Any costs incurred by you which are recoverable from th
123. re booked travel and accommodation for example full or half board all inclusive bed and breakfast self catering or room only if you have to a Move to other accommodation at any point during your trip as a result of the insolvency of the accommodation providers or their booking agents fire flood earthquake explosion volcanic eruption and or volcan ic ash clouds tsunami landslide avalanche hurricane storm civil com motion and or civil unrest not assuming the proportions of or amounting to an uprising or an outbreak of food poisoning or an infectious disease meaning you cannot use your booked accommodation or b Curtail your trip with prior authorisation of the Emergency Medical Assistance Service as a result of the insolvency of the accommodation providers or their booking agents fire flood earthquake explosion vol canic eruption and or volcanic ash clouds tsunami landslide avalanche hurricane storm civil commotion and or civil unrest not assuming the proportions of or amounting to an uprising or an outbreak of food poisoning or an infectious disease meaning you cannot use your booked accommodation and you need to be repatriated to your home or c Curtail your trip with prior authorisation of the Emergency Medical Assistance Service as a result of the Travel Advice Unit of the Foreign amp Commonwealth Office FCO or other regulatory authority in the country you are in recommending evacuation from the country or s
124. rised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register Number 202189 Details on how your information will be used by AmTrust Europe Limited can be found under section E1 and E2 of your policy wording International Passenger Protection Limited Sections M1 and M2 of this policy are insured by International Passenger Protection Limited is authorised and regulated by the Financial Conduct Authority Register Number 311958 Details on how you can contact International Passenger Protection Limited to understand how your data will be used can be found under section M1 and M2 of your policy wording Fraud prevention To keep premiums low we do participate in a number of industry initiatives to prevent and detect fraud To help prevent crime we may 1 Share information about you with other organisation s and public bodies including the police 2 Share information about you within the AXA Group and with other insurers 3 Pass your details to recognised centralised insurance industry applica tions and claims review systems for example the Travel Claims Database where your details may be checked and updated 4 Check your details with fraud prevention agencies and databases If you give us false or inaccurate information and we suspect fraud we may record this with fraud prevention agencies 5 Search records held by fraud
125. rm of treatment or surgery which in the opinion of AXA Assistance or us based on information provided by medical practitioner in attendance can be delayed reasonably until your return to your home area Any additional period of hospitalisation relating to treatment or services provided by a nursing home or any rehabilitation centre What is not covered under Section M1 Scheduled Airline Failure Insurance Scheduled flights not booked within your home country prior to departure Any losses which are not directly associated with the incident that caused you to claim For example loss due to being unable to reach a pre booked hotel villa car hire or cruise following the financial failure of an airline Ava What is not covered under Section M2 End Supplier Failure Travel and accommodation not booked within the United Kingdom prior to departure Any loss for which a third party is liable or which can be recovered by other legal means Any losses which are not directly associated with the incident that caused you to claim For example loss due to being unable to reach your pre booked hotel following the financial failure of an airline What is not covered under Sections N O P Q and S Winter sports Ski equipment contained in or stolen from an unattended vehicle between 9 pm and 9 am or at any time between 9 am and 9 pm unless it is locked out of sight in a secure baggage area Please see the definition of secu
126. rom 1 War risks civil commotion and terrorism War invasion acts of foreign enemies hostilities or warlike operations whether war be declared or not civil war rebellion terrorism revolution insurrection civil commotion and or civil unrest assuming the proportions of or amounting to an uprising military or usurped power but this exclusion shall not apply to losses under Section B Emergency medical and other expenses Section C Hospital benefit and Section D Personal accident unless such losses are caused by nuclear chemical or biological attack or the disturbances were already taking place at the beginning of any trip 2 Radioactive contamination lonising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel the radioactive toxic explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly 3 Sonic bangs Loss destruction or damage directly caused by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds 4 Winter sports Your participation in winter sports unless the appropriate winter sports premium has been paid then cover will apply under those sections shown as covered for winter sports in your schedule for a the winter sports specified in the list on page 33 and b any other winter sports shown as covered in your schedule for a period of no more tha
127. roportion of the costs not theirs regardless who has paid for the booking d Accommodation costs paid for using any Timeshare Holiday Property Bond or other holiday points scheme In addition any property mainte nance costs fees or charges incurred by you as part of your involvement in such schemes are not covered e Any costs incurred by you which are recoverable from the providers of the accommodation their booking agents or the administrators of either or for which you receive or are expected to receive compensation or reimbursement Ava f Any costs incurred by you which are recoverable from the public transport operator or for which you receive or are expected to receive compensation damages refund of tickets meals refreshments accom modation transfers communication facilities or other assistance g Any costs incurred by you which are recoverable from your credit debit card provider or for which you receive or are expected to receive compensation or re imbursement I Any travel and accommodation costs charges and expenses where the public transport operator has offered reasonable alternative travel arrangements within 12 hours of the scheduled time of departure n Any cost if your trip was booked as part of a package holiday except for any pre paid costs or charges which do not form part of your package holiday o Anything mentioned in What is not covered applicable to all sections of the policy Claims e
128. rt offered Written confirmation from the company providing the accommo dation or their booking agents or the administrators of either the local police or relevant authority that you could not use your accommodation and the reason for this Receipts or bills for any transport accommodation or other costs charges or expenses claimed for Written confirmation from the provider of transport accommodation or your tour operator that compensation assistance or reimburse ment of any costs charges and expenses incurred by you will not be provided and the reason for this Inthe case of an accident to or breakdown of the vehicle in which you are travelling a repairers or breakdown company s report or oth er evidence from the relevant highway authority or local authority Inthe case of the breakdown of any vehicle owned by you a copy of the last service report confirming that the vehicle has been serviced properly and maintained in accordance with the manufacturer s instructions Details of any travel or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 For curtailment and or repatriation claims 44 0 2920 474139 SECTION U GOLF COVER ONLY OPERATIVE IF INDICATED IN THE SCHEDULE This extension to the policy provides the following amendments to the insurance specifically for a
129. s theft or attempted theft of all personal money passports or documents 2 If personal money passports or visas are lost stolen or damaged while in the care of a hotel or your accommodation provider you must report details of the loss theft or damage to them in writing and get at your own expense written confirmation Keep all travel tickets and tags for submission if a claim is to be made under this policy 3 If documents are lost stolen or damaged while in the care of a carrier transport company authority hotel or your accommodation provider you must report details of the loss theft or damage to them in writing and get at your own expense written confirmation 4 If documents are lost stolen or damaged whilst in the care of an airline you must give formal written notice of the claim to the airline within the time limit set out in their conditions of carriage please keep a copy What is not covered 1 The excess as shown in the schedule of benefits for each and every claim per incident claimed for under this section by each insured person unless the excess waiver has been purchased as detailed in your policy schedule 2 Loss theft of or damage to personal money or your passport or visa if left unattended at any time including in a vehicle in checked in luggage or while in the custody of a carrier tour operator or public transport operator unless deposited in a hotel safe safety deposit box or left in your locked
130. s com Scheme Code A00806 SECTION S PHYSIOTHERAPY IN THE UNITED KINGDOM ONLY OPERATIVE IF INDICATED IN THE SCHEDULE What is covered We will pay you up to the amount shown in the schedule of benefits for expenses necessarily incurred for a qualified physiotherapist to continue your physiotherapy treatment upon return to your home as a result of your unforeseen bodily injury sustained whilst taking part in a winter sports activity during your trip Special conditions relating to claims 1 You must obtain at your own expense written confirmation from the treating medical practitioner details of the bodily injury you sustained during your trip and that this bodily injury requires continuation of physio therapy treatment upon your return to your home area What is not covered 1 Any subsequent costs incurred as a result of your injury following your re turn to your home area that does not constitute as physiotherapy including but not limited to any private medical surgical hospital ambulance doctor or nursing fees 2 Any expenses which are not usual reasonable or customary to treat your bodily injury including any treatment or services provided by a health or holistic spa 3 Anything mentioned in What is not covered applicable to all sections of the policy A ay cedartree travel insurance DIRECT 1 10 2015 v1 1 35 Claims evidence We will require at your own expense the following evidence where rele va
131. sfers communication facilities or other assistance 11 Your unused and or additional travel costs where the cancellation or delay is caused by the insolvency of the public transport operator 12 Any costs incurred by you which are recoverable from your credit debit card provider or for which you receive or are expected to receive compensa tion or re imbursement 13 Any travel and accommodation costs charges and expenses where the public transport operator or their handling agents has offered reasonable alternative travel arrangements within 12 hours of the scheduled time of departure 14 Any costs for normal day to day living such as food and drink which you would have expected to pay during your trip except as provided for under subsections 6 and 7 of What is covered where you have to move to other accommodation or stay longer outside of your home area 15 For subsection 4 only of What is covered your reluctance to travel or make or attempt to make alternative arrangements to reach your desti nation where reasonable alternative travel facilities were available and no severe weather warnings for the area concerned or notices of road closures on your planned route had been issued 16 Any cost if your trip was booked as part of a package holiday except under a subsections 3 and 8 of What is covered or b subsections 1 and 7 of What is covered for any cost relating to pre paid charges which do not form part of your pack
132. standard of service to every customer If our service does not meet your expectations we want to hear about it so we can try to put things right All complaints we receive are taken seriously The following will help us understand your concerns and give you a fair response Making your complaint If your complaint relates to a claim on your policy please contact the de partment dealing with your claim as follows All claim complaints except Gadget cover Scheduled airline failure and End supplier failure Rightpath Claims Airport House the date of our final response to refer your complaint to the Financial Om budsman Service This does not affect your right to take legal action If we cannot resolve your complaint you may refer it to the Financial Om budsman Service at the address given below The Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR Tel 0300 123 9123 or 0800 023 4567 Fax 020 7964 1001 Email complaint info financial ombudsman org uk Our promise to you We will Acknowledge all complaints promptly Investigate quickly and thoroughly Keep you informed of progress Do everything possible to resolve your complaint Purley Use the information from complaints to continuously improve our Way Croydon service CRO OXZ Online claims registration www rpclaims com Scheme Code A00806 Tel 44 0 20 8667 2465 Gadget Cover Complaints Citymain Admin
133. t any time between 9 am and 9 pm local time unless it is locked out of sight in a secure baggage area and e Violent and Forcible Entry has been used by an unauthorised person to gain entry into the vehicle and evidence of this entry is available Ava f Loss or damage due to delay confiscation or detention by customs or any other authority g Loss or damage caused by wear and tear depreciation loss of value atmospheric or climatic conditions moth vermin any process of cleaning repairing or restoring mechanical or electrical breakdown h Loss of theft of or damage to CD s DVD s films tapes cassettes car tridges or discs other than for their value as unused materials unless pur chased pre recorded when we will pay up to the makers latest list price 2 For subsection 2 of What is covered a Additional costs under subsection 2 b of What is covered if you were totally disabled hospitalised or you were on a waiting list to go into hospital at the time of arranging the business trip b Additional costs under subsections 2 b and c of What is covered if you were aware of circumstances at the time of arranging the business trip which could reasonably have been expected to lead to cancellation of the business trip 3 For subsections 1 and 2 of What is covered a Any loss or damage arising out of you engaging in manual work b Any financial loss costs or expenses incurred arising from the interrup ti
134. t charges Section B Emergency medical and other expenses Section C Hospital benefit and Section D Personal accident for any claims arising Throughout the duration of the policy 1 From any medical condition you have in respect of which a medical practitioner has advised you not to travel or would have done so had you sought their advice but despite which you still travel ll From any surgery treatment or investigations for which you intend to travel outside of your home area to receive including expenses incurred due to the discovery of other medical conditions during and or compli cations arising from these procedures Ill From any medical condition for which you are not taking the recom mended treatment or prescribed medication as directed by a medical practitioner IV If you travel against any health requirements stipulated by the carrier their handling agents or any other public transport provider At the time of purchasing your policy you will not be covered for any claim arising directly or indirectly 2 From any medical condition for which you a close relative or a travel ling companion have received a terminal prognosis Il From any medical condition for which you a close relative or a travel ling companion are on a waiting list for or have knowledge of the need for surgery treatment or investigation at a hospital clinic or nursing home From any of the following pre existing medical condi
135. the level of cover suitable for you Your level of cover will be confirmed in your schedule Please ensure you keep your schedule together with this gadget Insurance Policy in a safe place Introduction Gadget Insurance provides cover for your gadget against theft loss accidental damage and malicious damage when you are on a trip that is covered by your travel insurance policy The gadget must be in good condition and full working order at the time of your trip Definitions The words and phrases defined below are additional definitions and specific to this section of cover and have the same meaning wherever they appear in bold in the Gadget Cover section All other definitions can be found on page 12 Accidental damage means any damage including fire and liquid damage caused to the gadget which was not deliberately caused by you or bound to happen Administrator Citymain Administrators Limited Gadget the item s insured by this gadget Insurance Policy purchased by you and shown within the relevant proof of purchase For the purpose of this policy a gadget can be any one of the following items Mobile Phones Smart Phones Laptops Tablets Desktops Digital Cameras PC Monitors MP3 Players CD DVD Players Games Consoles Video Cameras Camera Lenses Bluetooth Headsets Satellite Navigation Devices PDAs E Readers Head Ear Phones Wearable Technology such as a Smart Watch or a Health and Fitness Tracker Loss mea
136. ther costs for repairs carried out by anyone not authorised by us What is not covered under Section F Personal money passport and documents Personal money or your passport or visa left unattended at any time unless in a hotel safe safety deposit box or in your locked accommodation Loss or theft of traveller s cheques where you have not complied with the issuing agents conditions What is not covered under Section G Personal liability Pursuit of any trade business or profession or the ownership possession or use of mechanically propelled vehicles aircraft or watercraft A ay cedartree travel insurance DIRECT 1 10 2015 v1 1 What is not covered under Section H Delayed departure Strike or industrial action existing or being publicly announced by the date you purchased this insurance or at the time of booking any trip The cost of Air Passenger Duty APD whether irrecoverable or not Claims arising directly or indirectly from volcanic eruptions and or volcanic ash clouds Any costs incurred by you which are recoverable from the public transport operator or for which you receive or are expected to receive compensation damages refund of tickets meals refresh ments accommodation transfers communication facilities or other assistance Any travel and accommodation costs charges and expenses where the public transport operator has offered reasonable alternative travel arrangements within 12 hours of the s
137. ther holiday points scheme In addition any property maintenance failure costs or fees incurred by you as part of your involvement in such schemes are not covered A ay cedartree 38 Ava travel insurance DIRECT 1 10 2015 v1 1 A letter from the relevant public transport provider carrier or author ity confirming details of the strike or industrial action Inthe case of adverse weather conditions a report from the Met Of fice public transport provider carrier or authority relevant highway agency local authority local radio station or newspaper confirming details of the adverse weather conditions and if road closures on your planned route were made and or red or amber severe weather warnings issued for the area concerned Inthe case of cancellation or curtailment claims your booking confirmation together with written details such as a cancellation invoice from your travel agent tour operator provider of transport accommodation or their booking agents of the separate costs of transport accommodation Air Passenger Duty APD taxes duties surcharges and other pre paid costs or charges that made up the total cost of the trip Your unused travel tickets Written confirmation from your public transport operator or their handling agents of the cancellation number of hours delay or denied boarding and the reason for these together with confirma tion of your check in times and details of any alternative transpo
138. thletics track and field archery badminton banana boating donuts inflatables behind power boat basketball amateur beach games body boarding boogie boarding camel riding canoeing up to grade 2 rivers clay pigeon shooting cricket amateur cross country running non com petitive cycling wearing a helmet and no racing deep sea fishing driving motorised vehicles excluding quad bikes for which you are licenced to drive in the United Kingdom other than in races motor rallies or competitions and wearing a helmet if driving a motorbike moped or scooter or wearing a seatbelt when travelling in a motorised vehicle where a seatbelt is available for use falconry fencing training only fives flying fox cable car football association amateur only and not main purpose of trip administrative clerical or profes sional occupations airboarding archaeological digging use of hand tools only athletics amateur only ballooning hot air organising pleasure rides only baseball amateur battle re enactment billiards snooker pool bowls camp america counsellor catamaran sailing if qualified and no racing climbing indoors on climbing wall only croquet curling amateur dancing including instruction dinghy sailing no racing elephant riding trekking fell walking running up to 2 500 metres above sea level fishing flying as a
139. tice as soon as possible to the Emergency Medical As sistance Service of any circumstances making it necessary for you to return home and before any arrangements are made for your repatriation 4 You must check in according to the itinerary supplied to you unless your tour operator the public transport operator or their handling agents have requested you not to travel to the departure point 5 You must allow enough time for the public transport or other transport to arrive on schedule and to deliver you to the departure point 6 You must get at your own expense written confirmation or other evi dence from the public transport operator or their handling agents of the cancellation number of hours of delay or being denied boarding and the reason for these together with details of any alternative transport offered 7 You must comply with the terms of contract of the public transport op erator or their booking agents and seek financial compensation assistance or a refund of your ticket from them in accordance with such terms and or where applicable your rights under EU Air Passenger Rights legislation in the event of denied boarding cancellation or long delay of flights Whether you have booked a package holiday or just a flight compensa tion will normally be available to you from financial protection schemes arranged or overseen by the Civil Aviation Authority CAA such as the Air Travel Organisers Licensing ATOL scheme a
140. tion but on a room only basis you have to pay to return to your home that you cannot claim back from any other source if you fail to arrive at the departure point in time to board any onward connecting public transport on which you are booked to travel including those within the United Kingdom as a result of a The failure of other public transport or b Strike industrial action or adverse weather conditions or c You being involuntarily denied boarding because there are too many passengers for the seats available and no other suitable alternative flight could be provided within 12 hours You can only claim under one of either Section T Travel disruption cover Section H Delayed departure Section Missed departure or Section P Ski pack for the same event Special conditions relating to claims 1 If you fail to notify the travel agent tour operator public transport oper ator or their handling agents or provider of transport or accommodation or their booking agents as soon as you find out it is necessary to cancel the trip the amount we will pay will be limited to the cancellation charges that would have applied otherwise 2 You must get at your own expense written confirmation or other evidence from the provider of the accommodation their booking agents or the administrators of either the local Police or relevant authority that you could not use your accommodation and the reason for this 3 You must give no
141. tion provider you must report details of the loss theft or damage to them in writing and get at your own expense written confirmation 3 If baggage is lost stolen or damaged whilst in the care of an airline you must give written notice of the claim to the airline within the time limit contained in their conditions of carriage please keep a copy What is not covered 1 The excess as shown in the schedule of benefits for each and every claim per incident claimed for under this section by each insured person except claims under subsection 2 of What is covered unless the excess waiver has been purchased as detailed in your policy schedule 2 Loss theft or damage to gadgets Claims for gadgets should be made under section E1 or E2 Gadget cover 3 Loss theft of or damage to valuables left unattended at any time includ ing in a vehicle in checked in luggage or while in the custody of a carrier tour operator or public transport operator unless deposited in a hotel safe safety deposit box or left in your locked accommodation 4 Loss theft of or damage to baggage contained in an unattended vehicle a overnight between 9 pm and 9 am local time or b at any time between 9 am and 9 pm local time unless i it is locked out of sight in a secure baggage area and ii Violent and Forcible Entry has been used by an unauthorised person to gain entry into the vehicle and evidence of such entry is available 5 Loss or damag
142. tions from which you have suffered from or received medical advice treatment or prescribed medication within the last 5 years including surgery tests investigations and check ups by your doctor consultant specialist Any respiratory condition relating to the lungs or breathing including asthma bronchitis and chronic obstructive pulmonary disease Any heart related or blood circulatory condition including but not limited to high blood pressure and high cholesterol Any cancerous conditions including leukaemia non hodgkin s lymphoma and any type of skin cancer Any neurological condition including stroke brain haemorrhage multiple sclerosis epilepsy and dementia Any psychological or psychiatric condition including stress anxie ty or depression Any diabetic condition Any renal kidney or liver condition Any chronic condition that can be controlled but not cured including back pain crohn s and coeliac disease and ulcerative colitis Il Any other medical condition for which you have received any inpatient or outpatient treatment by a hospital specialist within the last twelve months A ay cedartree 15 travel insurance DIRECT 1 10 2015 v1 1 Unless you contact us on Tel 0203 137 7922 or complete an online Medical Screening at Website www cedartreeinsurance com and we have agreed in writing to cover your medical condition s We will not pay for claims arising directly or indirectly f
143. to baggage contained in an unattended vehicle a overnight between 9 pm and 9 am local time or b at any time between 9 am and 9 pm local time unless ava i it is locked out of sight in a secure baggage area and ii Violent and Forcible Entry has been used by an unauthorised person to gain entry into the vehicle and evidence of this entry is available 4 Loss or damage due to delay confiscation or detention by customs or any other authority 5 Loss theft of or damage to unset precious stones contact or corneal lenses hearing aids dental or medical fittings antiques musical instru ments documents of any kind bonds securities perishable goods such as foodstuffs bicycles ski equipment golf equipment and damage to suitcases unless the suitcases are entirely unusable as a result of one single incidence of damage 6 Loss or damage due to cracking scratching breakage of or damage to chi na glass other than glass in watch faces cameras binoculars or telescopes porcelain or other brittle or fragile articles unless caused by fire theft or an accident to the aircraft sea vessel train or vehicle in which they are being carried 7 Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use 8 Loss theft of or damage to business equipment business goods samples tools of trade motor accessories and other Items used in connection with your business trade profession
144. to claims 1 You must report to the local Police in the country where the incident oc curred within 24 hours of discovery or as soon as possible after that and get at your own expense a written report of the loss theft or attempted theft of your own ski equipment 2 If ski equipment is lost stolen or damaged while in the care of a carrier transport company authority hotel or your accommodation provider you must report details of the loss theft or damage to them in writing and get at your own expense written confirmation 3 If ski equipment is lost stolen or damaged whilst in the care of an airline you must give formal written notice of the claim to the airline within the time limit set out in their conditions of carriage please keep a copy ava What is not covered 1 Loss theft of or damage to ski equipment contained in an unattended vehicle a overnight between 9 pm and 9 am local time or b at any time between 9 am and 9 pm local time unless i it is locked out of sight in a secure baggage area and ii Violent and Forcible Entry has been used by an unauthorised person to gain entry into the vehicle and evidence of this entry is available 2 Loss or damage due to delay confiscation or detention by customs or any other authority 3 Loss or damage caused by wear and tear depreciation loss of value atmospheric or climatic conditions moth vermin any process of cleaning repairing or restoring mechani
145. tree travel insurance DIRECT 1 10 2015 v1 1 41 W SECTION W CRUISE COVER ONLY OPERATIVE IF INDICATED IN THE SCHEDULE This extension to the policy provides the following amendments to the insurance specifically for any cruise taken by you Special definition relating to this section Cruise means a trip involving a sea voyage of more than five days total duration where transportation and accommodation is primarily on an ocean going passenger ship What is covered 1 Under Section E baggage a the baggage limit under paragraph 1 is increased to the amount shown in the schedule of benefits under Section W Cruise cover b the maximum the we will pay for any article pair or set of articles is increased to the amount shown in the schedule of benefits under Section W Cruise cover c the total for all valuables is increased to the amount shown in the schedule of benefits under Section W Cruise cover 2 We will pay you up to the amount shown in the schedule of benefits for each scheduled unused pre paid shore trip missed as a result of the ship on which you are travelling being unable to dock at the scheduled destination You can only claim under one of either subsection 1 of What is covered Section E baggage or Section V Wedding Civil partnership cover for the accidental loss of theft of or damage to any item of baggage and or valua bles arising from the same event Special conditions relating to
146. ts are in order 4 You must report the matter to the Police within 24 hours of your release or as soon as possible after that and provide us within 30 days of returning from the trip with a Police report confirming that you were unlawfully detained and the dates of such detention What is not covered 1 Any claim relating to payment of ransom monies 3 Any claim where the detainment internment or hijack of you has not been reported to or investigated by the local Police or local authority 4 Anything mentioned in What is not covered applicable to all sections of the policy Claims evidence We will require at your own expense the following evidence where rele vant Areport from the local Police or local authority in the country where the incident occurred confirming that you were unlawfully detained and the dates of such detention Details of any travel or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 L SECTION L MUGGING COVER Special definition relating to this section Mugging mugged means a violent attack on you with a view to theft by the person s not previously known to you What is covered We will pay you the amounts shown in the schedule of benefits if you need medical treatment in a hospital outside the United Kingdom as a result of you sustaining bodi
147. tween 9 am and 9 pm unless it is locked out of sight in a secure baggage area Please see the definition of secure baggage area in the Definitions in the policy wording Contact or corneal lenses hearing aids dental or medical fittings ski equipment golf equipment and other items are excluded see your policy wording for the full list Business goods samples or tools used in connection with your occupation Confinement or compulsory quarantine as a result of a tropical dis ease where you have not had the NHS recommended inoculations and or not taken the NHS recommended medication What is not covered under Section X Business Cover Business equipment left unattended at any time unless in a hotel safe safety deposit box or in your locked accommodation Loss theft or damage to gadgets Claims for gadgets should be made under section E1 Gadget cover and E2 Gadget cover exten sion Business equipment contained in an unattended vehicle between 9 pm and 9 am or at any time between 9am and 9 pm unless it is locked out of sight in a secure baggage area Please see the definition of secure baggage area in the Definitions in the policy wording Loss theft or damage of CD s DVD s films tapes cassettes cartridg es or discs other than the market value Any loss or damage arising from manual work Ava Annual multi trip This provides you with cover to travel as many times as you like within the peri
148. uired b should any conflict of interest or dispute over settlement arise What is covered We will pay up to the amounts shown in the schedule of benefits for legal costs to pursue a civil action for compensation against someone else who causes you bodily injury illness or death Where there are two or more insured persons insured by this policy then the maximum amount we will pay for all such claims shall not exceed the amount shown in the schedule of benefits Prospects of success We will only provide cover where your claim or any appeal you are pursuing or defending is more likely than not to be successful If you are seeking damages or compensation it must also be more likely than not that any judgement obtained will be enforced If we consider your claim is unlikely to be successful or any judgement will not be enforced we or you may request a second opinion from an independ ent lawyer If You seek independent legal advice any costs incurred will not be covered by this policy If the independent lawyer agrees your claim is unlikely to be successful or any judgement is unenforceable then you cannot make a claim under this section Special conditions relating to claims 1 We shall have complete control over the legal case through agents we nominate by appointing agents of our choice on your behalf with the expertise to pursue your claim 2 You must follow our agent s advice and provide any information and assistance req
149. uired within a reasonable timescale 3 You must advise us of any offers of settlement made by the negligent third party and you must not accept any such offer without our permission 4 We may include a claim for our legal costs and other related expenses 5 We may at our own expense take proceedings in your name to recover compensation from any third party for any legal costs incurred under this policy You must give us any assistance we require from you and any amount recovered shall belong to us What is not covered We shall not be liable for 1 Legal costs and expenses incurred in pursuit of any claim against us our appointed agents Healix Group Rightpath Claims someone you were travelling with a person related to you or another insured person 2 Legal costs and expenses incurred prior to our written acceptance of the case 3 Any claim where the legal costs and expenses are likely to be greater than the anticipated amount of compensation A ay cedartree 30 travel insurance DIRECT 1 10 2015 v1 1 4 Any claim where legal costs and expenses are variable depending on the outcome of the claim 5 Legal costs and expenses incurred if an action is brought in more than one country 6 Travel accommodation and incidental costs incurred to pursue a civil action for compensation 7 The costs of any Appeal 8 Claims by you other than in your private capacity 9 Anything mentioned in What is not covered applicab
150. ult of a The public transport on which you were booked to travel from your home area being cancelled or delayed for at least 12 hours from the scheduled time of departure but not including your additional travel costs where the cancellation or delay is caused by the insolvency of the public transport operator or being diverted or re directed after take off or ava b You being involuntarily denied boarding because there are too many passengers for the seats available and no suitable alternative flight could be provided within 12 hours or c You being denied boarding on the public transport on which you were booked to travel from your home area as a result of the accidental loss of theft of or damage to your passport and or visa and no replace ment could be obtained until after the scheduled time of departure up to the amount shown in the schedule of benefits 3 If the public transport on which you were booked to travel from your home area including any onward connecting public transport is can celled or delayed for at least 12 hours we will pay you up to the amount shown in the schedule of benefits for the first 12 hours delay and each full 12 hours delay after that up to the maximum of the amount shown in the schedule of benefits providing you eventually continue the trip this will help you pay for telephone calls made and meals and refreshments pur chased during the delay 4 We will pay you up to the amount shown in the
151. under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 Ava SECTION D PERSONAL ACCIDENT Special definitions relating to this section Loss of limb means loss by permanent severance of an entire hand or foot or the total complete and permanent loss of use of an entire hand or foot Loss of sight means total and irrecoverable loss of sight which shall be considered as having occurred a in both eyes if your name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist and b in one eye if the degree of sight remaining after correction is 3 60 or less on the Snellen scale which means only seeing at 3 metres what you should see at 60 metres Permanent total disablement means an injury sustained resulting in total and permanent disability which medical evidence confirms will prevent you from undertaking your usual occupation or a similar one for which you are qualified and suitably experienced What is covered We will pay one of the benefit amounts shown in the policy schedule of benefits if you sustain bodily injury which shall solely and independently of any other cause result within two years in your death loss of limb loss of sight or permanent total disablement Special conditions relating to claims 1 Our medical practitioner may examine you as often as they consider necessary if you make a cl
152. ur Nil 25 for each 12 hour Nil 50 foreach 12hour Nil delay up to 150 delay up to 250 delay up to 500 Holiday Abandonment 3 000 50 5 000 50 7 500 Nil Missed Departure 250 50 500 50 1 000 Nil Legal Expenses 5 000 max 10 000 Nil 20 000 max 40 000 Nil 30 000 max Nil for 2 or more for 2 or more 60 000 for 2 or more insured s insured s insured s Hijacking Nil Nil 25 for each 24 hour Nil 35 foreach 24 hour Nil period up to 250 period up to 350 Mugging 15 for each 24 hour Nil 25 for each 24 hour Nil 35 foreach 24hour Nil period up to 150 period up to 250 period up to 350 Insolvency of Scheduled Airline prior to or after departure 2 500 Z 2 500 Nil 2 500 Nil End Supplier Failure Nil 2 500 Nil 2 500 Nil Section N O P Q Rand S N Ski equipment Owned 500 50 750 50 1 000 Nil Ski equipment Hired 150 250 400 Single Item Pair Set Limit 250 375 500 O Ski Hire 15 per day to 250 Nil 20 per day to 400 Nil 25 per day to 500 Nil P Ski Pack 250 Nil 400 Nil 500 Nil 15 per day to 250 Nil 20 per day to 400 Nil 25 per day to 500 Nil R Avalanche Closure 15 per day to 250 Nil 20 per day to 400 Nil 25 per day to 500 Nil S Physiotherapy in the United Nil Nil 200 Nil 350 Nil Kingdom Q Piste Closure Section T Before you reach your destination Cancellation or abandonment of 3 000 50 5 000
153. uring the delay provided you eventually travel or 2 Up to up to the amounts shown in the schedule of benefits for your pro portion only of any irrecoverable unused travel and accommodation costs and other pre paid charges which you have paid or are contracted to pay if A 4y cedartree 28 travel insurance DIRECT 1 10 2015 v1 1 a after a delay of at least 12 hours or b following cancellation no suitable alternative public transport is provided within 12 hours of the scheduled time of departure you choose to abandon your trip before departure from the United King dom and in addition for residents of Northern Ireland any departure point in the Republic of Ireland You can only claim under subsection 1 or 2 above for the same event not both You can only claim under one of either Section H Delayed departure Section Missed departure or Section T Travel disruption cover for the same event Special conditions relating to claims 1 You must check in according to the itinerary given to you unless your tour operator has requested you not to travel to the airport 2 You must comply with the terms of contract of the travel agent tour operator carrier or transport provider and seek financial compensation assistance or a refund of your ticket from them in accordance with such terms and or where applicable your rights under EU Air Passenger Rights legislation in the event of cancellation or long delay of flights What
154. uroport Road Gibraltar Email team Taurus agency If your complaint is in relation to a claim please write to the administrator Their contact details are Citymain Administrators Ltd Enterprise House Isambard Brunel Road Portsmouth PO1 2RX E mail customerrelations citymain com If you are not happy with the response or your complaint has not been resolved within eight weeks you have the right to ask the Financial Ombuds man Service to review your complaint Their contact details are Financial Ombudsman Service Exchange Tower London E14 9SR Tel 0800 023 4567 Free for Mobiles and Landlines Tel 0300 123 9123 These procedures do not affect your legal rights Data Protection Act 1998 Data Transfer Consent By purchasing this insurance policy you have consented to the use of your data as described below A ay cedartree 26 travel insurance DIRECT 1 10 2015 v1 1 Data Protection Policy We Taurus and the administrator are committed to protecting your priva cy including sensitive personal information please read this section carefully as acceptance of this insurance policy will be regarded as having read and accepted these Terms and Conditions Taurus and the administrator do not pass any personal data about you to any third parties without your consent When you apply for insurance and or make a claim you will be required to disclose relevant personal data about you to Taurus or their agents in particular us an
155. ve your permission Where we are required or permitted to do so by law to credit reference and fraud prevention agencies Other companies that provide a service to us or you Where we may transfer rights and obligations under this agreement We may transfer your information to other countries and jurisdictions on the basis that anyone to whom we pass it provides an adequate level of protection However such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations Your Rights Under the Data Protection Act 1998 you have certain rights regarding access to your information You have the right to see a copy of the personal infor mation we hold about you if you believe that any of the information we are holding is incorrect or incomplete please let us know as soon as possible To provide a copy of the information we may ask you for a small fee Marketing We Taurus and the administrator will not use your data for marketing purposes All information provided is used to manage your insurance policy only SECTION F PERSONAL MONEY PASSPORT AND DOCUMENTS What is covered 1 We will pay you up to the amounts shown in the schedule of benefits for the accidental loss of theft of or damage to personal money and docu ments including the unused portion of passports visas and driving licences We will also cover foreign currency during the 72 hours im
156. vent not both Special conditions relating to claims 1 You must provide at your own expense written confirmation to us from a medical practitioner that the bodily injury illness or disease prevented you from using your ski pack What is not covered 1 Anything mentioned in What is not covered applicable to all sections of the policy A ay cedartree travel insurance DIRECT 1 10 2015 v1 1 34 Claims evidence We will require at your own expense the following evidence where rele vant Amedical certificate from the treating medical practitioner explain ing why you were unable to use your ski pack Details of any travel or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 SECTION Q PISTE CLOSURE ONLY OPERATIVE IF INDICATED IN THE SCHEDULE What is covered We will pay you up to the amount shown in the schedule of benefits for transport costs necessarily incurred by you to travel to and from an alterna tive site if either lack of or excess snow or an avalanche results in the skiing facilities excluding cross country skiing in your resort being closed and it is not possible to ski The cover only applies a To the resort which you have pre booked for a period more than 12 hours and for as long as these conditions continue at the resort but not more than the pre book
157. vidence We will require at your own expense the following evidence where relevant Full details of the travel itinerary supplied to you Written confirmation from the carriers or their handling agents of the cancellation number of hours of delay and the reason for these together with confirmation of your check in times and details of any alternative transport offered Inthe case of cancellation claims your booking confirmation together with written details from your travel agent tour operator or provider of transport accommodation of the separate costs of transport accommodation Air Passenger Duty APD taxes duties surcharges and other pre paid costs or charges that made up the total cost of the trip Your unused travel tickets Receipts or bills for any transport accommodation or other costs charges or expenses claimed for Where applicable written confirmation from the public transport operator or their handling agents and or provider of accommo dation or their booking agents that compensation assistance or reimbursement of any costs charges and expenses incurred by you will not be provided and the reason for this Details of any travel or other insurance under which you could also claim To make a claim under this section please call 44 0 20 8667 2465 Or Register your claim online www rpclaims com Scheme Code A00806 SECTION I MISSED DEPARTURE What is covered We will pay you
158. w rpclaims com Scheme Code A00806 SECTION C1 PET CARE What is covered We will pay you up to the amount shown in your schedule per day up toa maximum of the amount shown in your schedule for any additional kennel cattery fees incurred if your domestic dog s cat s are in a kennel cattery during your trip and your return to your home area has been delayed due to your bodily injury illness or disease Special conditions relating to claims You must send us written confirmation at your own expense from the appropriate kennel or cattery confirming the amount of additional fees that you have had to pay together with the dates when these were payable What is not covered Claims arising from your bodily injury illness or disease that is not covered under Section B Emergency medical and other expenses Anything mentioned in What is not covered applicable to all sections of the policy Claims evidence We will require at your own expense the following evidence where rele vant Written confirmation from the appropriate kennel or cattery confirm ing the amount of additional fees that you have had to pay together with the dates when these were payable Amedical certificate from the treating medical practitioner explain ing why you were unable to return home on time Your unused travel tickets Details of any travel pet or other insurance under which you could also claim To make a claim
159. water rafting within organis ers guidelines up to grade 4 COVERED IF THE APPROPRIATE WINTER SPORTS PREMIUM HAS BEEN PAID big foot skiing dry slope skiing husky dog sledding organised non competitive and with experi enced local driver ice fishing ice skating kick sledging ski blading ski dooing ski touring skiing big foot skiing mono skiing on piste sledging tobogganing on snow snow biking snow boarding on piste snow bobbing snow mobiling skidoo snow shoe walking tandem skiing A ay cedartree travel insurance DIRECT 1 10 2015 v1 1 blade skating glacier skiing walking ice cricket wearing appropriate batting pads gloves spiked shoes ice go karting within organisers guidelines ice windsurfing ski biking ski boarding ski run walking skiing alpine skiing cross country skiing Nordic skiing off piste with a guide sledging sleigh riding as a pas senger pulled by horse or reindeer snow blading snow boarding off piste with a guide snow go karting snow scooting snowcat driving telemarking 18 International Emergency Medical Assistance Service Available to you 24 hours a day 365 days a year Telephone number 02920 474139 Fax 02920 468797 and USA toll free fax 802 419 8222 Email address operations global response co uk You should contact the Emergency Medical Assistance Service when you are abroad a i
160. wn in the schedule of benefits for your proportion only of any irrecoverable unused travel and accommoda tion costs and other pre paid charges which you have paid or are contracted to pay together with your proportion only of any reasonable additional travel expenses incurred if a cancellation of the trip is necessary and unavoidable or b the trip is Curtailed before completion as a result of any of the following events 1 The death bodily injury illness disease or complications arising as a direct result of pregnancy of a you b any person who you are travelling or have arranged to travel with c any person who you have arranged to stay with d your close relative e your close business associate 2 You or any person who you are travelling or have arranged to travel with being quarantined called as a witness at a Court of Law or for jury service attendance 3 Redundancy of you or any person who you are travelling or have arranged to travel with which qualifies for payment under current United Kingdom redundancy payment legislation and at the time of booking the trip there was no reason to believe anyone would be made redundant 4 You or any person who you are travelling or have arranged to travel with are a member of the Armed Forces Territorial Army Police Fire Nursing or Ambulance Services or employees of a Government Department and have your their authorised leave cancelled or are called up for operational r
161. y medical expenses claim If you are admitted to a state hospital or clinic as an in patient while within the EU EEA or Switzerland you have a right to state provided emergency treatment if you have an EHIC If at any time you or someone acting on your behalf is being pressured to sign for excessive treatment or charges please call the Emergency Medical Assistance Service for guidance COUNTRIES WHERE YOU CAN USE THE EHIC The European Economic Area EEA is a free trade zone between countries of the European Union EU Iceland Norway and Liechtenstein The regulations on access to healthcare in the EEA also apply in Switzerland Specific guid ance on how to access healthcare in the countries listed below is available online at www ehic org uk Austria Belgium Bulgaria Croatia Cyprus Czech Republic Denmark Estonia Finland France Germany Greece Hungary Iceland Ireland Italy Latvia Liechtenstein Lithuania Luxembourg Malta Netherlands Norway Poland Portugal Romania Slovakia Slovenia Spain Sweden Switzerland State in patient and out patient treatment Australia If you need medical treatment in Australia you must enrol with a local MEDICARE office You do not need to enrol when you arrive but you must do this after the first occasion you receive treatment In patient and out pa tient treatment at a public hospital will then be available free of charge Ava Details of how to enrol and the free treatment available can be found by
162. y quarantine or on the orders of a medical practitioner outside your home area up to a maximum amount shown in the schedule of benefits as a result of bodily injury illness or disease you sustain We will pay the amount above in addition to any amount payable under Section B Emergency medical and other expenses This payment is meant to help you pay for additional expenses such as taxi fares and phone calls incurred by your visitors during your stay in hospital You can only claim benefit under this section or subsection 3 of Section W Cruise cover for the same event not both Special conditions relating to claims 1 You must tell the Emergency Medical Assistance Service as soon as possible of any bodily injury illness or disease which necessitates your ad mittance to hospital as an in patient compulsory quarantine or confinement to your accommodation on the orders of a medical practitioner What is not covered 1 Any claims arising directly or indirectly from a Any additional period of hospitalisation compulsory quarantine or con finement to your accommodation i relating to treatment or surgery including exploratory tests which are not directly related to the bodily injury illness or disease which necessi tated your admittance into hospital ii relating to treatment or services provided by a convalescent or nursing home or any rehabilitation centre iii following your decision not to be repatriated after the dat

Policy Wording - Cedar Tree Travel Insurance

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