Designed for Winter Sports
Upgrade for Higher Risk sports
Helicopter Rescue if needed
Instant Cover note by email

Voyager Plus Ski policy

Keypoints

General Key Facts
• Policies are only available to UK, Channel Islands or Isle of Man residents.
• All prices shown are for all travellers and include 20% Insurance Premium Tax which is payable to the Government on any travel insurance sales.

Sporting Activities
• Comprehensive range of sporting activities covered as standard.
• Upgrades available to cover high risk sporting activities.
• Winter sports includes off piste without a guide as standard within resort boundaries provided the areas are considered safe by the ski area management.

Single Trip Policies
• Family ski insurance, covers up to 4 dependent children aged 20 or less who are in full time education.
• Options for cover in Europe, Australia and New Zealand, Worldwide excluding North America and the Caribbean and Worldwide.
• Maximum trip length for any single trip is 45 days.
• Single trip winter sports insurance provides ski cover for the whole period of your trip.
• Maximum age for travellers is 84 for single trip ski insurance based on their age at date of trip departure.

Annual Multi trip Policies
• Family cover, covers up to 4 dependent children aged 20 or less who are in full time education.
• Options for cover in Europe only or Worldwide.
• A total of 21 days winter sports coverage is included on annual multitrip ski policies when the ski option is taken ( automatically included on www.skicover.com).
• Maximum age for travellers is 74 for annual multi trip ski insurance based on their age at policy start date.
• Max trip duration is 45 days per trip on the annual multi trip policy. (Max duration per trip is 22 days for 70-74 year olds).

Pre-existing Medical conditions
• Stable and well controlled conditions which require no more than two routine check ups/ reviews per year and which have had no increase in medication in the last three months are covered as standard.
• Medical screening option available by calling 0844 249 9280 for all other pre-existing conditions.

Activities

Winter sports

Automatically included if you have chosen wintersports cover.

Big foot skiing, Cross country skiing, Dog sledging Dry slope skiing, Glacier walking (under 2000m), Ice skating(on rink), Mono skiing, Off piste skiing and snowboarding, Skiing, Sledging, Snowboarding, Snow mobiling, Tobogganing.

Leisure: Level 1

This policy automatically covers you to undertake the activities listed below on an amateur basis.

Abseiling; Aerobics; Angling; Archery; Athletics; Badminton; Ballooning; Banana boating; Baseball; Basketball; Biathlon; Big foot skiing (W/S premium must be paid); Black water rafting; Boating (any craft less than 10 metres long, inside 12 mile limit); Boardsailing; Bowls; Bowling; Bungee jumping (incidental 1-3 jumps); Camel riding; Canoeing (grades 1-3); Clay pigeon shooting; Climbing (indoor only); Cricket; Croquet; Cross county skiing (W/S premium must be paid); Curling; Cycling (recreational, not BMX, competition or stunting); Dance; Deep sea fishing (recreational inside 12 mile limit); Dinghy sailing (inside 12 mile limit); Diving (recreational); Dog sledging; Dry slope skiing; Elephant trekking; Fell running; Fell walking; Fencing; Fishing (angling); Flying (in light aircraft as a passenger, not piloting); Football (recreational or incidental soccer); Glacier walking (under 2000m, W/S premium must be paid); Gliding (as a passenger, not piloting); Go karting below 250cc; Golf; Handball; Hiking/trekking/walking below 4000m; Hill walking; Hockey; Horse riding (NOT competitions, racing, jumping & hunting); Hot air ballooning (as a passenger only); Ice skating (on rink, recreational only); Indoor climbing (on climbing wall only); Jet skiing; Kayaking (grades 1-3 rivers/sea); Kite buggying (single seat); Kite flying (traction); Kite surfing (over water); Lacrosse; Mono-skiing (W/S premium must be paid); Motorcycling (on road, provided you hold an appropriate full licence and are wearing a helmet, max 14 days any one trip); Mountain biking (not competition or downhill); Netball; Off-piste skiing (providing local safety guidelines and warnings are observed); Orienteering; Paintballing; Parascending (towed by boat); Pistol shooting; Pony trekking; Racquet ball; Rafting (grades 1-3); Rambling; Rifle range shooting; Roller blading; Roller skating; Rounders; Rowing; Safari (organised trips only); Sail boarding (inside 12 mile limit); Sailing yachts (longer than 10 metres, within 60 miles of a safe haven); Scuba diving (maximum depth 30m); Skateboarding (recreational); Skiing (W/S premium must be paid); Sledging; Sleigh riding (pulled by reindeer, horses or dogs): Snooker; Snorkelling; Snowboarding (W/S premium must be paid); Snowmobiling (W/S premium must be paid); Softball; Squash; Surfing; Table tennis; Tai chi (non-contact); Ten pin bowling; Tennis; Tobogganing; Trampolining (recreational); Volleyball; Water polo; Water skiing; Water tubing; White water canoeing/rafting (up to grade 3 rivers only); Windsurfing (inside 12 mile limit); Yachting (longer than 10 metres, within 60 miles of a safe haven); Zip wiring;

Action: Level 2

In addition to the activities listed above, the following activities will also be covered on an amateur basis. Please click the check box to the left to add these activities.

Bungee jumping (more than 3 jumps); Canoeing (grade 4 and over); Cycling (including event training); Flying (piloting of light aircraft as PPL holder); Football (amateur competition/tour); Glacier walking (2000-4000m, W/S premium must be paid); Gliding (as pilot with necessary licence); Gymnastics; Kayaking (grade 4 and over); Marathon running; Rafting (grade 4 and over); Scuba diving (maximum depth 40m); Skateboarding (demonstration or competitive); White water canoeing/rafting (grade 4 and over);

Action Plus: Level 3

Please click the check box to the left to add these activities.

American football; Bouldering (with crash pad, maximum height 7m); Canyoning; Cat skiing (W/S premium must be paid); Cycling (including competition but not BMX or stunting); Flying (piloting of light aircraft under instruction); Gaelic football; Gliding (as pilot under instruction); Heli skiing (with a qualified guide, W/S premium must be paid); Horse riding (including jumping but not racing/hunting); Hurling; Ice hockey (W/S premium must be paid); Judo (training only); Karate (training only); Kendo (training only); Kick boxing (training only); Martial arts (training only, excluding mixed martial arts); Polo (elephant or horse); Roller hockey; Rugby union & league; Sailing (more than 60 miles from a safe haven); Triathlon (not exceeding Olympic distance);

Policy terms and conditions

OTIS Voyager Plus travel insurance policy summary

ref: VOY/WBB/OTIS/VOYAGERPLUS/2014

Valid for issue no later than 30th November 2014.

Some important facts about your insurance are summarised below. This summary does not form part of the contract and does not describe all of the terms and conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides. A copy of the full policy document is available on request if it is not provided to you with this summary.

Insurers: This insurance is arranged by Voyager Insurance Services Ltd. and is underwritten by PTI Insurance Company Ltd. Registered in Gibraltar No. 33927. Registered office Suite 935 Europort, P.O. Box 793, Gibraltar.

Section 13 - holiday financial protection is provided by International Passenger Protection Limited and underwritten by Lloyds Syndicates. Registered office IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR. Registered in England 2498563.

Our regulator: PTI Insurance Company Ltd are authorised and regulated by the Financial Services Commission (FSC) in Gibraltar. The FSC holds a register of all regulated firms on its website www.fsc.gi. PTI Insurance Company Ltd are passported into the Financial Conduct Authority (Financial Services Firm Reference Number: 202886).
Voyager Insurance Services Ltd are authorised and regulated by the Financial Conduct Authority. These details can be checked on the Financial Services Register by visiting the FCA’s website on www.fca.org.uk/register or by contacting them on 0800 111 6768.

Provided you have paid the appropriate premium as shown on your certificate, you are covered in accordance with the full wording shown herein up to the limits indicated below. The limits apply per person for each separate trip. The excesses apply for each person and each section of each claim, unless the excess waiver option has been selected and this is shown on your certificate.

Benefits Schedule	Limits per person	Excesses

1. Cancellation or curtailment	£5,000	£50* (£20)**

2. Emergency medical expenses	£10,000,000	£50* (£100)***
• Including emergency repatriation
• Including relative’s additional expenses
• Including emergency dental treatment	£350

3.Hospital stay benefit (amount per day)	£1,000 (£20)	Nil

4.Personal accident – loss of sight, limb(s) or permanent total disablement	£30,000	Nil
• maximum payable in the event of death	£5,000
• maximum payable in the event of death if under 16	£2,000

5. Travel delay (a) after 12 hrs delay (b) each 12 hrs thereafter (c) max	(a) £40 (b) £20 (c) £200	Nil
• abandonment (after 12 hours)	£5,000	£50

6. Missed departure and journey disruption	£1,000	£50

7. Baggage – overall limit	£2,000	£50
• under 18’s possessions limit	£500
• maximum per item, pair or set	£250
• total limit for all valuables	£500
• emergency purchases (after 12 hours)	£200	Nil

8. Personal money	£500	£50
• cash limit (50 for under 18’s)	£250

9. Loss of passport	£500	Nil

10. Personal liability	£2,000,000	£100

11. Legal expenses	£20,000	£100

12. Business personnel replacement	£2,500	Nil

13. Holiday financial protection	£3,000	Nil

14. Hijack (amount per day)	£1,000 (£100)	Nil

15. Mugging (amount per day)	£500 (£50)	Nil

16. Pet care (amount per day)	£500 (£50)	Nil

Sections 17, 18 & 19 only apply if you have paid the appropriate additional wintersports premium for short stay and longstay policies. They are automatically included under annual multi-trip policies.

17. Ski equipment – overall limit	£800	£50
• maximum per item, pair or set owned or borrowed	£500
• maximum per item, pair or set hired	£300
• necessary ski equipment hire (amount per day)	£150 (£50)	Nil

18. Ski pack	£400	£50

19. Piste closure (amount per day) (not applicable to longstay policies)	£200 (£20)	Nil

Section 20 only applies if you have paid the appropriate additional premium as shown on your certificate.

15. Independently booked travel extension ****
• extended cancellation or curtailment	£5,000	£50
• extended travel delay (a) £ after 12 hrs delay (b) £ each 12 hrs thereafter (c) £ max	(a) £400 (b) £20 (c) £200	Nil
• abandonment or additional expenses	£5,000	£50
• extended missed departure	£1,000	£50
• accommodation costs	£5,000	£50

* Adults 65-84 years - £100 excess for cancellation or curtailment and medical claims only. Maximum excess any one claim or incident £100 or £200 in respect of adults aged 65-84 years for cancellation or curtailment and medical claims only.

** Loss of deposit claims only.

*** For longstay policies the excess is increased to £100 for medical claims only.

**** Applicable to travel arrangements that do not form part of a package holiday.

Types of policies available and policy durations

Policies are available for short stay trips up to 45 days (or 23 days if you are aged between 75-84 for area 3 & 4 only), longstay trips up to 18 months or on an annual basis for multiple trips. An annual multi-trip policy runs for 12 months from the date shown on your certificate and provides cover for an unlimited number of trips starting within that period, provided that no single trip is intended to be for longer than 45 days (or 23 days if you are aged 70-74). A short stay or longstay policy provides cover for the duration of the trip shown in your policy documentation.

Who can be covered?

Policies can be arranged for individuals, couples or families, subject to the maximum age limit shown in the policy features table. A family policy provides cover for to two adults and their dependent children aged 17 and under or 20 and under if still in full time education and all normally residing together at the same address. Cover for families shall apply where the appropriate premium has been paid. On annual multi-trip policies all insured persons are entitled to travel separately providing all travellers are named on the certificate of insurance.

Significant and/or unusual conditions and exclusions	Relevant policy reference

Health - this insurance contains restrictions regarding pre-existing medical conditions of the people travelling and of other people upon whose health the trip depends. You are advised to read the document carefully	Important conditions relating to health & activities and health exclusions

Sports & activities (including wintersports) - you may not be insured if you are going to take part in sports & activities where there is a generally recognised risk of injury. Please check that this insurance covers you, or ask us.	General exclusions 8, 9, 10 & 11 and Activities cover levels.

Excesses - under some sections of this insurance, claims will be subject to an excess. This means each person will be responsible for paying the first part of their claim under each applicable section.	Benefits schedule & important feature 6.

Baggage - these claims are paid based on the value of the goods at the time you lose them and not on a ‘new for old’ or replacement cost basis. Deductions will be made in respect of wear, tear and depreciation.	Sections 7, 8, 9, 15 & 17, Special exclusions and important feature 4.

Reasonable care - you need to take all reasonable care to protect yourself and your property, as you would if you were not insured. Any amounts the insurers will pay for property left unattended in a public place or unattended vehicle is very limited, as specified in the wording.	7, 8, 9, 15 & 17, Special exclusions and important feature 4 & 7 and general conditions 5 & 9.

Important conditions relating to health & activities & changes in circumstance - you must answer the important conditions relating to health & activities shown in the policy wording truthfully and to the best of your knowledge and contact us if required. If you do not do so then any related claim may be reduced or rejected or your policy may become invalid.	Important conditions relating to health & activities, general conditions 1 & 2 & section 1 - cancellation or curtailment conditions a & b.

Notification of claims - you must advise the claims handlers of any possible claim as soon as possible. You must supply them with full details of all the circumstances and any other information and documents we may require.	Section 1 - cancellation or curtailment condition a & general conditions 2 & 4.

CANCELLATION RIGHTS

We hope you are happy with the cover this policy provides. However if after reading this certificate, this insurance does not meet with your requirements, please return it to the issuing agent, within 14 days of receipt and 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 and no incident likely to result in a claim has occurred. We reserve the right to deduct from the rebate of premium the necessary costs incurred in processing the original sale and cancellation. We shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by sending 14 days notice to you at your last known address.

HOW TO MAKE A CLAIM

For all claims other than medical emergencies please request an appropriate claim form by telephoning the number below or via their website. Please quote OTIS Voyager. Intana Assist, 19 Bartlett Street, Croydon, CR2 6TB. Tel: 0208 865 0724 Email: voyagerclaims@intana-assist.com website: www.intana-assist.com
Please have your certificate number to hand, and have ready any documents you may have that could be relevant to your claim (for example medical certificates, travel tickets, boarding passes, letters from authorities/public transport providers/airlines, depending on which section of cover you are claiming for). If you do not have any documents with you, your claim might be delayed, please ask the operator for assistance. You may need to get additional information about your claim while you are away. You may also be asked to send us additional information and documentation (we will give you advice if this becomes necessary). The nature of the documentation we need may include hotel bills, hospital bills, pharmacy receipts and/or taxi receipts and will depend on your individual circumstances and the type of claim you are making. Please read the general conditions contained in this policy document and the relevant sections of your policy for more information. We may refuse to reimburse you for any expenses for which you cannot provide receipts or bills.

COMPLAINTS PROCEDURE

We will do everything possible to ensure that you receive a high standard of service. If you are not satisfied with the service received please contact us. When you contact us please give us your name and contact telephone number. Please also quote your policy and/or claim number and the type of policy you hold.
Step one – Initiating your complaint - Does your complaint relate to: A. The sale of your policy? B. A claim on your policy?

If A, you need to contact the agent from where you bought your policy or Voyager Insurance Services Ltd, 13-21 High Street, Guildford, Surrey, GU1 3DG. Tel: 01483 562662. Fax: 01483 569676. Email: enquiries@voyagerins.com
If B, you can write to The Complaints Officer, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DN. Tel: 0208 865 1658 Email: voyagerassistance@intana-assist.com

For all complaints relating to section 13 - holiday financial protection, please contact; The Customer Services Manager, International Passenger Protection Ltd IPP House, 22-26 Station Road, West Wickham, Kent, BR4 0PR. Tel: 0208 776 3752 Fax: 0208 776 3751 Email: info@ipplondon.co.uk Website: www.ipplondon.co.uk
If you are still not satisfied, you should write to; Policyholder & market assistance, Lloyds, One Lime Street, London, EC3N 7HA.

We expect that the majority of complaints will be quickly and satisfactorily resolved at this stage, but if you are not satisfied, you can take the issue further;
Step two – If you remain dissatisfied - If you are still dissatisfied you may refer your case to the Financial Ombudsman Service (FOS). The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR.Tel: 0300 123 9123 or 0800 023 4567. Fax: 020 7964 1001 Email: complaint.info@financial-ombudsman.org.uk

The FOS is an independent body that arbitrate on complaints about general insurance products and other financial services. It will only consider complaints after we have provided you with written confirmation that our internal complaints procedure has been exhausted. Please note that you have six months from the date of our final response in which to refer your complaints to the FOS. Referral to the FOS will not affect your right to take legal action.

FINANCIAL SERVICES COMPENSATION SCHEME

We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we are unable to meet our obligations to you under this contract. If you are entitled to compensation under the scheme, the level and extent of the compensation would depend on the nature of this contract. Further information can be obtained from the Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU. Tel: 0800 678 1100 or 020 7741 4100 and on their website at www.fscs.org.uk.

OTIS Voyager travel insurance policy

Benefits Schedule	Limits per person	Excesses

1. Cancellation or curtailment	£5,000	£50* (£20)**

2. Emergency medical expenses	£10,000,000	£50* (£100)***
• Including emergency repatriation
• Including relative’s additional expenses
• Including emergency dental treatment	£350

3.Hospital stay benefit (amount per day)	£1,000 (£20)	Nil

4.Personal accident – loss of sight, limb(s) or permanent total disablement	£30,000	Nil
• maximum payable in the event of death	£5,000
• maximum payable in the event of death if under 16	£2,000

5. Travel delay (a) after 12 hrs delay (b) each 12 hrs thereafter (c) max	(a) £40 (b) £20 (c) £200	Nil
• abandonment (after 12 hours)	£5,000	£50

6. Missed departure and journey disruption	£1,000	£50

7. Baggage – overall limit	£2,000	£50
• under 18’s possessions limit	£500
• maximum per item, pair or set	£250
• total limit for all valuables	£500
• emergency purchases (after 12 hours)	£200	Nil

8. Personal money	£500	£50
• cash limit (50 for under 18’s)	£250

9. Loss of passport	£500	Nil

10. Personal liability	£2,000,000	£100

11. Legal expenses	£20,000	£100

12. Business personnel replacement	£2,500	Nil

13. Holiday financial protection	£3,000	Nil

14. Hijack (amount per day)	£1,000 (£100)	Nil

15. Mugging (amount per day)	£500 (£50)	Nil

16. Pet care (amount per day)	£500 (£50)	Nil

Sections 17, 18 & 19 only apply if you have paid the appropriate additional wintersports premium for short stay and longstay policies. They are automatically included under annual multi-trip policies.

17. Ski equipment – overall limit	£800	£50
• maximum per item, pair or set owned or borrowed	£500
• maximum per item, pair or set hired	£300
• necessary ski equipment hire (amount per day)	£150 (£50)	Nil

18. Ski pack	£400	£50

19. Piste closure (amount per day) (not applicable to longstay policies)	£200 (£20)	Nil

Section 20 only applies if you have paid the appropriate additional premium as shown on your certificate.

15. Independently booked travel extension ****
• extended cancellation or curtailment	£5,000	£50
• extended travel delay (a) £ after 12 hrs delay (b) £ each 12 hrs thereafter (c) £ max	(a) £400 (b) £20 (c) £200	Nil
• abandonment or additional expenses	£5,000	£50
• extended missed departure	£1,000	£50
• accommodation costs	£5,000	£50

** Loss of deposit claims only.

*** For longstay policies the excess is increased to £100 for medical claims only.

**** Applicable to travel arrangements that do not form part of a package holiday.

24 HOUR MEDICAL EMERGENCY AND REPATRIATION SERVICE

The nominated emergency service referred to in this policy is operated by Intana Assist.

If you or a member of your party have to go to hospital as an in-patient during your trip, require medical treatment that will cost more than £250 (or the equivalent in local currency) or need to travel home differently to your original plans, Intana Assist must be contacted BEFORE making any arrangements. If this is not possible because the condition requires immediate treatment to save life or limb, Intana Assist must be contacted as soon as possible thereafter (see condition (a) of section 2 - emergency medical expenses). Failure to do so will affect the assessment of your claim.

In the case of medical emergency, please contact our nominated emergency service, Intana Assist on telephone number + 44 (0) 208 865 0725. Email: voyagerassistance@intana-assist.com Please quote OTIS Voyager.

Outpatient treatment

For simple out-patient costs you should settle the clinic bill directly and claim this back upon your return.

Reciprocal health agreements

EU, EEA or Switzerland
If you are travelling to countries within the European Union (EU), the European Economic Area (EEA) or Switzerland you are strongly advised to obtain a European Health Insurance Card (EHIC). You can apply for an EHIC online at www.ehic.org.uk or by telephoning 0845 606 2030. This will entitle you to benefit from the health care arrangements which exist between countries within the EU/EEA or Switzerland. In the event of liability being accepted for a medical expense which has been reduced by the use of a European Health Insurance Card we will not apply the deduction of excess under section 2 - emergency medical expenses.

Australia
If you require medical treatment in Australia you must enrol with a local MEDICARE office. You do not need to enrol on arrival but you must do this after the first occasion you receive treatment. In-patient and outpatient treatment at a public hospital is then available free of charge. Details of how to enrol and the free treatment available can be found by visiting the MEDICARE website at www.humanservices.gov.au/medicare or by emailing medicare@humanservices.gov.au. Alternatively please call our nominated emergency service for guidance. If you are admitted to hospital contact must be made with our nominated emergency service as soon as possible and their authority obtained in respect of any treatment NOT available under MEDICARE.

Special notice

This is not a private medical insurance and only gives cover in the event of an accident or sudden illness that requires emergency treatment whilst abroad. In the event of any medical treatment becoming necessary which results in a claim under this insurance, you will be expected to allow insurers or their representatives unrestricted reasonable access to your medical records and information.

Cancellation rights

Annual multi-trip features

Maximum age at date of purchase: 74

Maximum period per trip if aged 18-69: 45 days

Maximum period per trip (if aged 70-74): 23 days

Business travel: Yes

UK trips (min 2 nights using pre-booked pre-paid accommodation or transport): Yes

Family members can travel separately: Yes

Wintersports - up to total maximum of: 21 days

Short stay features

Maximum age at date of departure: 84

Maximum period per trip: 45 days

Maximum period per trip if aged 75-84 for area 3 & 4 only: 23 days

Valid for departures prior to: 30/11/2015

Longstay features

Maximum age at date of departure: 64

Maximum trip duration: 18 months

Valid for travel completed by: 31/05/2016

Territorial limits

You are covered for trips to countries within the following areas provided that you have paid the appropriate premium, as shown in your certificate.

Area 1 The United Kingdom and Northern Ireland.

Area 2 The continent of Europe West of the Ural mountains, any country with a Mediterranean coastline, (excluding Algeria, Libya, Syria and Israel) Channel Islands, the Canary Islands, the Isle of Man, Madeira and Iceland.

Area 3 Worldwide excluding North America.

Area 4 Worldwide including North America.

If you have bought the annual multi-trip option, trips wholly within your home country are also insured but only if they include a minimum of 2 nights away from home using pre-booked and pre-paid accommodation or transport.

Stop-overs in a country within a higher area are insured provided they do not exceed 48 hours in each direction.

For longstay policies, rating is determined by where you will spend more than 50% of your time but includes cover for your time spent in a higher rated area, if applicable.

Definitions

Listed below are certain words that appear throughout the policy. In all cases they will have the meanings shown below.

Baggage means personal belongings, including clothing worn, and personal luggage owned or borrowed by you that you take with you on your trip.

Bodily injury means an identifiable physical injury caused by sudden, unexpected, external and visible means including injury as a result of unavoidable exposure to the elements.

Breakdown means that the vehicle in which you are travelling stops as a result of mechanical or electrical failure due to any cause other than lack of fuel, oil or water.

Business colleague means any person that you work closely with whose absence for a period of one or more complete days necessitates the cancellation or curtailment of the trip as certified by a director of the business.

Couple means two adults who have been living together for at least 6 months.

Curtailment/curtail means cutting your planned trip short by early return to your home country or admission to hospital as an inpatient so that you lose the benefit of accommodation you have paid for.

End supplier means any service providers of major elements of your booked itinerary, including transport, accommodation and ground arrangements that are booked directly with them and paid for before the start of your trip and not part of a package holiday.

Excess means the first part of each and every claim that you are responsible for paying per incident claimed for, under each section by each insured person, unless the excess waiver option has been selected and this is shown on your certificate.

Existing medical condition means any condition that has required referral to or consultation with a specialist clinic or hospital for treatment, tests or investigation within the 12 months prior to; 1. the date that this insurance was arranged, or 2. the date that you subsequently made arrangements for a trip (if this is an annual multi-trip policy), or 3. the date that you extended the original period of insurance, whichever is the latest.

Family means two adults and all of their children(including foster children) aged 17 and under (20 and under if in full time education). All persons must live at the same address. On annual multi-trip policies all insured persons are entitled to travel separately providing all travellers are named on the certificate of insurance.

Home country means your usual place of residence in the United Kingdom, Channel Islands or Isle of Man.

Illness means any disease, infection or bodily disorder which is unexpectedly contracted by you whilst on your trip or unexpectedly manifests itself for the first time during your trip.

Medical practitioner means a registered practising member of the medical profession recognised by the law of the country where they are practising, who is not related to you or any person who you are travelling with.

Non-traveller means your relatives or business colleagues who are not travelling with you and people with whom you have arranged to stay.

North America means the United States of America, Canada, Mexico and the Caribbean islands including Bahamas & Bermuda.

Package holiday means all aspects of a holiday arranged with a tour operator or travel agent prior to your departure at an inclusive price.

Personal money means cash, being banknotes and coins, travellers’ cheques, travel tickets and accommodation vouchers carried by you for your personal use.

Public transport means any aeroplane, ship, train or coach on which you are booked to travel.

Relative means husband or wife (or partner with whom you are living at the same address), parent, grandparent, parent-in-law, brother, sister, child, grandchild, brother-in-law, sister-in-law, son-in-law, daughter-in-law or fiancé(e).

Resident means a person who permanently resides in the United Kingdom, Channel Islands or Isle of Man and is registered with a medical practitioner in their home country.

Ski equipment means skis, snowboards, ski-poles, bindings, ski-boots and snowboard boots.

Terrorism means an act, including but not limited to the use of force or violence 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 governments, committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

Travelling companion means any person with whom you are travelling or have arranged to travel with.

Trip means any holiday, leisure or business trip which begins and ends in your home country and for which you have paid the appropriate premium.

Unattended means out of your immediate control and supervision such that you are unable to prevent loss, theft or damage occurring.

Valuables means cameras and other photographic equipment, audio and video equipment, computers, all discs, CDs, tapes and cassettes, other electronic or electrical equipment or devices of any kind (including but not limited to mobile phones, MP3 or 4 players, tablets, ebooks, DVD’s, films, cartridges and headphones), spectacles and/or sunglasses, telescopes and binoculars, jewellery, watches, furs and items made of or containing precious or semi-precious stones or metals.

We, us and our means the insurers.

Wintersports means cross country skiing (Nordic skiing), glacier skiing, recreational racing, snowmobiling, mono skiing, off piste skiing or snowboarding (providing local safety guidelines and warnings are observed), on piste skiing or snowboarding, snowblading and sledging.

You and your means each person for whom the premium has been paid, is shown on your certificate and whose age does not exceed the maximum shown in the policy features table. You must be resident in the United Kingdom, Channel Islands or Isle of Man and registered with a medical practitioner in your home country. Each person is separately insured.

Important features

We would like to draw your attention to some important features of your insurance including:

1. Insurance document

You should read this document carefully. It gives full details of what is and is not covered and the conditions of the cover. Cover can vary from one policy to another so you should familiarise yourself with this particular insurance.

2. Conditions and exclusions

Specific conditions and exclusions apply to individual sections of your insurance, whilst general exclusions and conditions will apply to the whole of your insurance.

3. Health

This insurance contains restrictions regarding the health of the people travelling and of other people upon whose health the trip depends. You are advised to read the document carefully.

4. Property claims

These claims are paid based on the value of the goods at the time you lose them and not on a ‘new for old’ or replacement cost basis. Deductions will be made in respect of wear, tear and depreciation.

5. Limits

This insurance has limits on the amount the insurer will pay under each section. Some sections also include other specific limits, for example, for any one item or for valuables in total.

6. Excesses

Under some sections of this insurance, claims will be subject to an excess. This means each person will be responsible for paying the first part of their claim under each applicable section.

7. Reasonable care

You need to take all reasonable care to protect yourself and your property, as you would if you were not insured. Any amounts the insurers will pay for property left unattended in a public place or unattended vehicle is very limited, as specified in the wording.

8. Sports & activities

You may not be insured if you are going to take part in sports & activities where there is a generally recognised risk of injury. Please check that this insurance covers you, or ask us.

9. Customer service

We always try to provide a high level of service. However, if you think we have not lived up to your expectations, please refer to the complaints procedure.

10. Cancellation rights

This insurance contains a 14 day ‘cooling off’ period during which you can return it and get a full refund, providing you have not travelled and there are no claims. We reserve the right to deduct from the rebate of premium the reasonable costs incurred in processing the original sale and cancellation.

11. Fraudulent claims

It is a criminal offence to make a fraudulent claim.

Section 1

Cancellation or curtailment

(Cover under this section starts from the date shown on your certificate or the date travel is booked, whichever is the later).

You are covered up to the amount shown in the benefits schedule for your part of the unused travel and accommodation costs (including unused pre-booked excursions up to a value of £100)that have been paid or where there is a contract to pay that cannot be recovered from anywhere else if it is necessary to cancel or curtail the planned trip because of any of the following events involving you or a travelling companion that first occur during the period of insurance;

a. the accidental bodily injury, unexpected illness or death of you, your travelling companion, your business colleague or person with whom you intended to stay.

b. the accidental bodily injury, unexpected illness or death of your relative or that of a travelling companion, a business colleague or person with whom you intended to stay.

c. receipt of a summons for jury service, being subpoenaed as a court witness or being placed in compulsory quarantine.

d. unexpected requirement for emergency and unavoidable duty as a member of the armed forces, police, fire, nursing, ambulance or coastguard services resulting in cancellation of previously agreed leave.

e. redundancy, provided that you are entitled to payment under the current redundancy payments legislation and that at the time of booking your trip you had no reason to believe that you would be made redundant.

f. your presence being required to make your property safe and secure following fire, flood or burglary that causes damage at your home within 48 hours prior to your departure, or whilst you are away.

g. your car becoming unusable as a result of theft, fire or accident within 7 days prior to your departure. This only applies if you are planning to go on a self-drive trip in the car.

You are not covered for

a. the amount of the excess shown in the benefits schedule

b. anything not included in You are covered above.

c. any directly or indirectly related claims if, within the last 12 months, you or your travelling companions have suffered from, been investigated, treated for or diagnosed with;

i. any cancer or malignant condition.

ii. any lung related condition (other than stable, well controlled asthma that requires no more than 2 medications, including inhalers).

iii. any heart related condition (including angina).

iv. any pre-existing medical condition (as defined).

We may agree not to apply (c) above or to accept this insurance at special terms but only if you supply us with details of your condition. Please contact Healthcheck on 0845 003 5244.

d. any claim related to the health of a non-traveller if you made arrangements for your trip in the knowledge that their state of health is likely to cause you to cancel or amend your travel plans, unless agreed by us and confirmed in writing. If you are in any doubt, please call Voyager Insurance Services Ltd on 01483 562662.

e. any directly or indirectly related claims if at the time this insurance was arranged and each time you make arrangements for a trip;

i. you or your travelling companions are planning to travel against the advice of a medical practitioner, or

ii. you or your travelling companions are travelling specifically to seek, or you know you will need, medical treatment while you are away, or

iii. you or your travelling companions are on a waiting list for treatment or investigation, or

iv. you, your travelling companions or any nontravellers have been given a terminal diagnosis.

f. any costs incurred in respect of visas obtained in connection with the trip.

g. disinclination to travel.

h. failure to obtain the necessary passport, visa or permit for your trip.

i. the cost of this policy.

Please note that curtailment claims will be calculated from the day you return to your home country, or, you are admitted to hospital as an inpatient so that you lose the benefit of accommodation you have paid for, or, you are confined to your accommodation. Your claim will be based solely on the number of complete nights’ accommodation lost. In respect of travel expenses, we will pay for any additional costs but not for the loss of your pre-booked arrangements.

Conditions

It is a requirement of this insurance that if you;

a. (for cancellation) become aware of any circumstances which make it necessary for you to cancel your trip, you must advise your tour operator or travel agent in writing as soon as possible. The maximum amount we will pay will be limited to the applicable cancellation charges at that time.

b. (for curtailment) wish to return home earlier than your original plans and claim any additional costs under this insurance, you must contact our nominated emergency service and obtain their agreement to the new arrangements. Failure to do so will affect the assessment of your claim.

Please also refer to the general exclusions and conditions.

Section 2

Emergency medical expenses

If you or a member of your party have to go to hospital as an in-patient during your trip, require medical treatment that will cost more than £250 (or the equivalent in local currency) or need to travel home differently to your original plans, our nominated emergency service must be contacted BEFORE making any arrangements. If this is not possible because the condition requires immediate treatment to save life or limb, our nominated emergency service must be contacted as soon as possible thereafter. Failure to do so will affect the assessment of your claim.

You are covered up to the amount shown in the benefits schedule for either the necessary costs incurred as a result of you sustaining accidental bodily injury, unexpected illness or death during your trip in respect of;

a. emergency medical, surgical and hospital treatment and transportation. At the sole discretion of our nominated emergency service, who reserve the right to make the final decision as to whether or not it is medically necessary, this also includes the cost of repatriation to your home country, by whatever means deemed medically necessary. The cost of emergency dental treatment to natural teeth is covered up to the amount shown in the benefits schedule provided that it is for the immediate relief of pain only.

b. additional travel and accommodation expenses (on a bed & breakfast basis) to enable you to return home if you are unable to travel as originally planned.

c. additional travel and accommodation expenses (on a bed & breakfast basis) for;

i. a travelling companion to stay with you and accompany you home, or

ii. a relative or friend to travel from your home country to stay with you and accompany you home.

d. returning your remains to your home or of a funeral in the country where you died, up to the equivalent cost of returning your remains to your home country.

e. or, with the prior agreement of our nominated emergency service, your necessary additional travel expenses to return home following the death, injury or illness of a travelling companion insured by us or of your (or your travelling companion’s) relative or business colleague in your home country.

You are not covered for

a. the amount of the excess shown in the benefits schedule in respect of each claim unless a recovery can be made under the terms of the EHIC or any other reciprocal arrangement.

b. any directly or indirectly related claims if, within the last 12 months, you or your travelling companions have suffered from, been investigated, treated for or diagnosed with;

i. any cancer or malignant condition.

ii. any lung related condition (other than stable, well controlled asthma that requires no more than 2 medications, including inhalers).

iii. any heart related condition (including angina).

iv. any pre-existing medical condition (as defined).

We may agree not to apply (b) above or to accept this insurance at special terms but only if you supply us with details of your condition. Please contact Healthcheck on 0845 003 5244.

c. any claim related to the health of a non-traveller if you made arrangements for your trip in the knowledge that their state of health is likely to cause you to cancel or amend your travel plans, unless agreed by us and confirmed in writing. If you are in any doubt, please call Voyager Insurance Services Ltd on 01483 562662.

d. any directly or indirectly related claims if at the time this insurance was arranged and each time you make arrangements for a trip;

i. you or your travelling companions are planning to travel against the advice of a medical practitioner, or

ii. you or your travelling companions are travelling specifically to seek, or you know you will need, medical treatment while you are away, or

iii. you or your travelling companions are on a waiting list for treatment or investigation, or

iv. you, your travelling companions or any nontravellers have been given a terminal diagnosis.

e. any treatment or surgery;

i. which is not immediately necessary and can wait until you return home. We reserve the right to repatriate you when you are fit to travel in the opinion of our nominated emergency service.

ii. which in the opinion of our nominated emergency service is considered to be cosmetic, experimental or elective.

iii. carried out in your home country or more than 12 months after the expiry of this insurance.

iv. not given within the terms of any reciprocal health agreements, wherever such agreements exist.

f. exploratory tests unless they are normally conducted as a direct result of the condition which required referral to hospital.

g. claims related to manual labour unless declared to and accepted by us.

h. the additional cost of accommodation in a single or private room, unless it is medically necessary or there is no alternative.

i. the costs of medication or treatment that you knew at the time of your departure would need to be continued during your trip.

j. the costs of replacing or repairing false teeth or of dental work involving the use of precious metals.

k. the normal costs or losses otherwise associated with pregnancy (including multiple pregnancy) or childbirth. This includes, but is not limited to, delivery by caesarean section or any other medically or surgically assisted delivery which does not cause medical complications. This exclusion does not apply to complications of pregnancy, meaning toxaemia, gestational hypertension, pre-eclampsia, ectopic pregnancy, hydatidiform mole (molar pregnancy), post-partum haemorrhage, retained placenta membrane, placental abruption, hyperemesis gravidarum, placenta praevia, stillbirths, miscarriage, medically necessary emergency caesarean section, medically necessary termination and any premature births more than 8 weeks (or 16 weeks in the case of a known multiple pregnancy) prior to the expected delivery date.

Conditions

Please note that it is essential under the terms of this insurance that;

a. our nominated emergency service is contacted immediately and their prior authority obtained if it appears likely that you require admission to hospital, you require medical treatment which will cost more than £250 (or its equivalent in local currency) or if you wish to return home earlier than your original plans. If it is not possible to notify them in advance because the condition requires immediate treatment to save life or limb our nominated emergency service must be notified as soon as possible. Failure to do so will affect the assessment of your claim.

b. wherever possible you must use medical facilities that entitle you to the benefits of any reciprocal health agreements, such as the EHIC in Europe and MEDICARE in Australia.

Please also refer to the general exclusions and conditions.

Section 3

Hospital stay benefit

You are covered for the amount shown in the benefits schedule for each night spent receiving in-patient hospital treatment whilst outside of your home country that is covered under section 2 - emergency medical expenses.

Please also refer to the exclusions and conditions relating to section 2 - emergency medical expenses and the general exclusions and conditions.

Section 4 Personal accident

You are covered for the amount shown in the benefits schedule if you have an accident whilst you are on your trip which is the sole and independent cause of your death, permanent total disablement, loss of sight or loss of limb(s) within 12 months of the accident.

If you are aged under 16 at the date of the accident, the amount you are covered for in the event of your death is shown in the benefits schedule.

Payment under this section in respect of all the consequences of an accident shall be limited in total to the amount shown in the benefits schedule. In the event of your death within 12 months of the accident, the total payment will be limited to the amount shown for death.

Special definitions relating to this section

‘Accident’ means that you suffer bodily injury as a result of an identifiable and unexpected external cause.

‘Permanent total disablement’ means that for the twelve months following your accident you are totally unable to work in any occupation for which you are suited by experience, education or training and at the end of that time there is no prospect of improvement.

‘Loss of limb(s)’ means physical loss of a hand or foot or complete loss of use of a hand, arm, foot or leg.

‘Loss of sight’ means total and permanent 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, or

b. in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen scale.

You are not covered for

a. claims resulting from motorcycling.

b. claims arising out of manual labour.

c. a ‘permanent total disablement’ claim if at the date of the accident you are over the statutory retirement age and are not in full time paid employment.

Please also refer to the general exclusions and conditions.

Section 5

Travel delay & abandonment

You are covered up to the amounts (a), (b) and (c)shown in the benefits schedule if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

(a) for the first complete 12 hour period of delay and (b) for each subsequent complete 12 hour period, up to the maximum payable (c),

However, if your departure from your home country is delayed for more than 12 hours and you choose to abandon your trip, instead of a payment for delay, you are covered for the cost of the trip, up to the maximum claimable under section 1 - cancellation or curtailment.

You are not covered

a. for a claim caused by a strike if it had started or been announced before you arranged this insurance or booked your trip, whichever is the later.

b. if you fail to check-in on time.

c. if transport services are withdrawn as the result of a recommendation or instruction from the Civil Aviation Authority, Port Authority or similar body.

d. for the amount of the excess shown in the benefits schedule in respect of each claim for abandonment.

e. any claims arising from a volcanic ash cloud.

f. to claim under this section if you have claimed under section 6 - missed departure from the same cause.

Please also refer to the general exclusions and conditions.

Section 6

Missed departure & journey disruption

You are covered up to the amount shown in total in the benefits schedule for necessary and reasonable additional accommodation and travel expenses that you incur;

Missed departure

to get you to your journey destination if you arrive at any departure point shown in your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of;

a. the failure of public transport, or

b. a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.

Catastrophe

because you are forced to move from pre-booked accommodation to continue your trip or, if the trip cannot be continued, to return home as a result of;

a. fire, lightning or explosion rendering the pre-booked accommodation uninhabitable,

b. local medical epidemic or directive from a competent national or local authority directly affecting the area where the pre-booked accommodation is,

c. hurricane, storm or other natural disaster that threatens your safety such that official evacuation orders are issued or that the pre-booked accommodation is rendered uninhabitable, or

d. civil unrest, rebellion or war directly affecting the area where you are.

Alternative travel & accommodation arrangements

to get you to your journey destination if the transport arrangements that you originally booked are cancelled or will be delayed by more than 24 hours beyond the departure time shown in your itinerary because of;

a. a serious fire, storm or flood damage to the departure point.

b. industrial action or strike.

c. bad weather.

d. mechanical breakdown of the international train or sea vessel.

e. grounding of the aircraft due to a mechanical or structural defect.

f. withdrawal of public transport services or closure of any airport, sea port or railway station from which you are booked to travel on the instructions of a competent national or local authority, or

g. the financial failure of the transport provider.

You are not covered

a. for the amount of the excess shown in the benefits schedule in respect of each claim.

b. for a claim caused by a strike if it had started or been announced before you arranged this insurance or booked your trip, whichever is the later.

c. to claim under this section if you have claimed under section 5 - travel delay, from the same cause.

d. your own decision not to stay in your pre-booked accommodation when the official directives from national or local authorities state is safe and acceptable to do so, unless the Foreign and Commonwealth Office deem otherwise.

e. any costs, expenses or compensation recoverable from a tour operator, airline, hotel or other service provider or that they are legally liable to pay.

f. any amounts recoverable from any other insurance policy, bond, credit/debit card provider or from any other source.

g. any extra costs incurred for accommodation or transport of a higher standard or fare category than that which you originally booked.

h. any expenses that would normally have been incurred during your trip.

i. any claim where you were travelling against the advice of the Foreign and Commonwealth Office or other national or local authorities.

j. any claim where the circumstances giving rise to the claim were a matter of public knowledge prior to your departure for that area.

k. any claims arising from a volcanic ash cloud.

l. any claim unless;

i. you had planned to arrive at your departure point in advance of your earliest scheduled check-in time and provide a written report from the carrier, police or relevant transport authority confirming the delay and stating its cause.

ii. you provide a report from the repairers if your claim is because of breakdown or accident to your car.

iii. you provide a statement from the appropriate local authority and/or accommodation provider confirming the reason, nature and duration of the catastrophe leading to a claim under this section.

iv. you contacted our nominated emergency service and obtained their prior authority before you made any arrangements to return home by any means other than your original pre-booked transport.

Please also refer to the general exclusions and conditions.

Section 7

Baggage

You are covered up to the amounts shown in the benefits schedule, after making reasonable allowance for wear, tear and depreciation for the loss or theft of, or damage to;

a. your baggage,

b. your valuables.

You are also covered up to the amount shown in the benefits schedule in respect of emergency purchases for the cost of buying necessary items (for example clothing, medication and toiletries) if you are deprived of your baggage for more than 12 hours after arrival at your outbound destination. You must provide receipts for the items that you buy. If your baggage is permanently lost, any amount that we pay for emergency purchases will be deducted from the total claim.

You are not covered for

a. the amount of the excess shown in the benefits schedule in respect of each claim, except for emergency purchases.

b. more than the amount shown in the benefits schedule for any one item, pair or set in respect of baggage and valuables.

c. any additional value an item may have because it forms part of a pair or set.

d. more than £100 in total for baggage stolen from an unattended motor vehicle between the hours of 8p.m. and 8 a.m. or, if the theft occurs at any other time of day, unless the vehicle is being used for travel between different points of overnight accommodation.

e. loss or theft of or damage to valuables whilst unattended unless locked in a hotel safe (or equivalent facility) or locked in your private accommodation.

f. breakage of fragile articles unless caused by fire or by an accident to the aeroplane, ship or vehicle in which they are being carried.

g. loss or theft of or damage;

i. to household goods, bicycles, waterborne craft and their fittings of any kind.

ii. to motor vehicles, trailers or caravans or any fixtures, fittings or accessories therein or thereon.

iii. to watersports and ski equipment.

iv. to contact lenses, dentures and hearing aids.

v. to baggage in transit unless reported to the carrier immediately and a written Property Irregularity Report is obtained.

vi. to baggage sent by post, freight or any other form of unaccompanied transit.

vii. to sports clothes and equipment whilst in use.

viii. caused by moth or vermin or by gradual wear and tear in normal use.

ix. caused by any process of cleaning, repairing or restoring.

x. caused by leakage of powder or fluid from containers carried in your baggage.

h. mechanical or electrical breakdown.

i. more than £50 in respect of sunglasses unless substantiated by the original purchase receipt pre-dating the loss.

Please also refer to the special exclusions and conditions shown below and to the general exclusions and conditions.

Section 8 Personal money

Cover under this section starts at the time of collection from the bank, or 72 hours prior to departure, whichever is the later.

You are covered up to the amount shown in the benefits schedule for loss or theft of personal money.

You are not covered for

a. the amount of the excess shown in the benefits schedule in respect of each claim.

b. loss or theft from an unattended motor vehicle at any time.

c. more than the amount shown in the benefits schedule in respect of all cash carried by you whoever it may belong to.

d. any loss resulting from shortages due to error, omission or depreciation in value.

e. loss or theft of personal money whilst unattended unless locked in a hotel safe (or equivalent facility) or locked in your private accommodation.

Please also refer to the special exclusions and conditions shown below and to the general exclusions and conditions.

Section 9

Loss of passport

You are covered up to the amount shown in the benefits schedule following loss or theft of your passport for any additional necessary travel and accommodation costs, including the cost of any emergency passports, visas or permits incurred to enable you to continue your trip or return to your home country.

You are not covered for

a. loss or theft either from an unattended motor vehicle at any time or from baggage whilst in transit unless you are carrying it.

b. the cost of a permanent replacement for the passport itself.

Please also refer to the special exclusions and conditions shown below and to the general exclusions and conditions.

Special exclusions applicable to sections 7, 8 & 9

You are not covered for

a. more than £100 in total under these sections in respect of loss or theft of anything left unattended in a public place, including on a beach. In any event, you are not covered for loss or theft of valuables or personal money whist unattended unless locked in a hotel safe (or equivalent facility) or locked in your private accommodation.

b. any loss or theft unless reported to the police within 24 hours of discovering the loss, and a written report obtained in the country where the incident occurred.

c. loss of bonds or securities of any kind.

d. delay, detention, seizure or confiscation by customs or other officials.

Special conditions applicable to sections 7, 8 & 9

It is a requirement of this insurance that you must;

a. in the event of a claim,

i. provide receipts or other documentation to prove ownership and value, especially in respect of valuables and any items for which you are claiming more than £100, and

ii. retain any damaged items for our inspection. Failure to exercise all reasonable care may result in your claim being reduced or declined.

b. take care of your property at all times and take all practical steps to recover any item lost or stolen.

Please also refer to the general exclusions and conditions.

Section 10 Personal liability

You are covered up to the amount shown in the benefits schedule, plus legal costs incurred with our written consent, if you are held legally liable for causing;

a. accidental bodily injury to someone else, or

b. accidental loss or damage to someone else’s property, including your temporary trip accommodation and its contents.

You are not covered for

a. the amount of the excess shown in the benefits schedule in respect of each claim.

b. any liability arising from loss or damage to property that is;

i. owned by you or a member of your family or your travelling companions, or

ii. in your care, custody or control, other than your temporary trip accommodation and its contents, not owned by you or a member of your family or your travelling companions.

c. any liability for bodily injury, loss or damage;

i. to your employees or members of your family or household or your travelling companions or to their property.

ii. arising out of or in connection with your trade, profession or business, or assumed under contract.

iii. arising out of the ownership, possession, use or occupation of land or buildings.

iv. arising out of the ownership, possession or use of motorised vehicles, yachts or motorised waterborne craft, airborne craft of any description, animals or firearms and weapons.

v. arising out of your criminal, malicious or deliberate acts.

vi. arising out of dangerous sports or pastimes including contact sports unless declared to and accepted by us.

vii. arising from the transmission of any contagious or infectious disease or virus.

Conditions

If something happens that is likely to result in a claim, you must immediately notify the claims handlers in writing. You must not discuss or negotiate your claim with any third party without the written consent of the claims handlers. Any related correspondence or documentation that you receive must be sent immediately, unanswered, to the claims handlers.

Please also refer to the general exclusions and conditions.

Section 11 Legal expenses

You are covered up to the amount shown in the benefits schedule for legal costs and expenses incurred in pursuit of a claim for compensation or damages from a third party who causes your death or bodily injury or illness during your trip.

You are not covered for

a. the amount of the excess shown in the benefits schedule in respect of each claim.

b. any costs and expenses;

i. to pursue a claim against any member of your family or any of your travelling companions

ii. incurred without prior written permission from the claims handlers

iii. which are to be based directly or indirectly on the amount of any award

iv. to pursue a claim as part of or on behalf of a group or organisation

v. if we think an action is unlikely to succeed or if we think the costs will be greater than any award

vi. to pursue a claim against us, our agent or any insurer acting on this policy

vii. to pursue legal action relating directly or indirectly to medical negligence or any allegation thereof.

Conditions

a. We will have complete control over the appointment of any solicitor(s) acting on your behalf and of any legal proceedings.

b. We will be entitled to repayment of any amounts paid under this section in the event that you are awarded legal costs as part of any judgement or settlement

c. We will be entitled to add any amounts we have paid under all sections of this insurance to the claim against the third party and to recover such amounts from any compensation awarded to you.

Please also refer to the general exclusions and conditions.

Section 12

Business personnel replacement

You are covered up to the amount shown in the benefits schedule for necessary additional travel and accommodation expenses (on a bed & breakfast basis) for you or a business colleague to complete essential business commitments that were left unfinished by your death, bodily injury or illness occurring during your trip.

You are not covered for

a. the amount of the excess shown in the benefits schedule in respect of each claim.

b. anything that you are not covered for under section 2 - emergency medical expenses.

Please also refer to the general exclusions and conditions.

Section 13

Holiday financial protection

This cover is provided by International Passenger Protection Limited and underwritten by Lloyds Syndicates. Registered office IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR. Registered in England 2498563.

You are covered up to the amount shown in the benefits schedule for;

a. irrecoverable sums paid in advance in the event of insolvency of the travel or accommodation provider not forming part of a package holiday prior to departure, or

b. in the 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 trip is unavoidable - the cost of return transportation to your home country to a similar standard to that enjoyed prior to the curtailment of the travel arrangements provided that in the case of b and b i. above where practicable you shall have obtained our approval prior to incurring the relevant costs by contacting us as set out in the claims procedure.

c. any losses that are not directly associated with the incident that caused you to claim are limited to £1,500. For example, loss due to being unable to reach your pre-booked hotel, villa, car hire or cruise following the financial failure of an airline.

Please note we cover for the insolvency of any travel arrangements booked in the United Kingdom, Isle of Man or Channel Islands (not forming part of an inclusive holiday) and not bonded or insured already. These would include schedule airlines, hotels, car ferries, villas abroad and cottages in the UK, railway journeys including Eurostar, coach journeys, cruise that are not bonded, car hire, caravan sites/campsites/mobile homes, camper rental, safaris, excursions, Eurotunnel and theme parks such as Disneyland Paris. We do not cover the booking agents or consolidators.

You are not covered for

a. travel or accommodation not booked within the United Kingdom, Channel Islands or Isle of Man prior to departure.

b. the financial failure of;

i. any travel or accommodation provider in Chapter 11 or any threat of insolvency being known at the date of issue of the policy

ii. any travel or accommodation provider who is bonded or insured elsewhere (even if the bond is insufficient to meet the claim).

iii. any travel agent, tour organiser, booking agent or consolidator with whom you have booked travel or accommodation.

c. any loss for which a third party is liable or which can be recovered by other legal means.

Please also refer to the general exclusions and conditions.

Section 14

Hijack

You are covered up to the amount shown in the benefits schedule for each complete 24 hour period and in total if you are prevented from reaching your trip destination as a result of the aircraft or sea vessel in which you are travelling being hijacked.

You are not covered for

a. any claim relating to the payment of ransom.

b. any claim where the hijack has not been reported to or investigated by the police or local authority and a written report provided to us confirming that you were involved and the duration of the hijack during which you were unlawfully detained.

Please also refer to the general exclusions and conditions.

Section 15

Mugging

You are covered up to the amount shown in the benefits schedule for each complete 24 hour period and in total if you are hospitalised during your trip because of bodily injuries sustained during a mugging or similar violent and unprovoked attack.

You are not covered for

a. any claim unless you can provide a report from the local police to confirm the incident.

b. any claim unless our nominated emergency service were contacted as soon as possible after your admission to hospital.

c. any claim unless you can provide medical evidence from the treating doctor to confirm the injuries and treatment given.

Please also refer to the general exclusions and conditions.

Section 16

Pet care

You are covered up to the amount shown in the benefits schedule for each complete 24 hour period and in total for extra kennel and/or cattery costs for your dog or cat if you are delayed in returning from your trip because of death, bodily injury or illness or there is a delay to the public transport that cannot be avoided.

You are not covered for any claim unless you can provide written confirmation of either the cause and duration of the delay from the public transport provider or, where appropriate, medical evidence to confirm the death, illness or bodily injury

Please also refer to the general exclusions and conditions.

Wintersports sections 17, 18 and 19

The following sections only apply if you have paid the appropriate additional wintersports premium for short stay and longstay policies. They are automatically included under the annual multi-trip option.

Section 17

Ski equipment and other expenses

You are covered up to the amounts shown in the benefits schedule, after making reasonable allowance for wear, tear and depreciation and subject to the special condition shown below for;

a. loss or theft of, or damage to ski equipment owned or borrowed by you.

b. loss or theft of, or damage to ski equipment hired by you.

c. the cost of necessary hire of ski equipment following;

i. loss or theft of, or damage to, your ski equipment insured by us, or

ii. the delayed arrival of your ski equipment, subject to you being deprived of their use for not less than 12 hours.

You are not covered for

a. the amount of the excess shown in the benefits schedule for each claim other than claims for hire costs.

b. ski equipment stolen from an unattended motor vehicle between the hours of 9 p.m. and 8 a.m. or, if stolen at any other time, unless they were forcibly removed whilst locked and whilst out of sight wherever possible either inside the vehicle or to a purpose designed ski rack.

c. damage to ski equipment whilst in use for race training or racing.

d. your damaged ski equipment unless returned to the United Kingdom for our inspection.

e. loss or theft of ski equipment not reported to the police within 24 hours of discovering the loss and a written report or reference obtained in the country where the incident occurred.

f. loss or theft of, or damage to, ski equipment whilst in transit unless reported to the carrier and a Property Irregularity Report obtained.

g. loss or theft of, or damage to, ski equipment over 5 years old.

h. loss or theft of ski equipment left unattended in a public place

Special conditions applicable to section 12

In respect of loss or damage to ski equipment, we will not pay more than the proportion shown below depending on the age of the equipment.

Age of equipment	Proportion of original purchase price

Up to 1 year	85%

Up to 2 years	65%

Up to 3 years	45%

Up to 4 years	30%

Up to 5 years	20%

Over 5 years	NIL

It is a requirement of this insurance that you must, in the event of a claim, provide receipts or other documentation to prove ownership and value, especially in respect of any items for which you are claiming more than £100.

Please also refer to the general exclusions and conditions.

Section 18 Ski pack

You are covered up to the amounts shown in the benefits schedule for the proportionate value of any ski pass, ski hire or ski school fee that you are unable to use following;

a. accidental bodily injury or sickness that prevents you from skiing, as medically certified, or

b. loss or theft of your ski pass.

You are not covered for

a. the amount of the excess shown in the benefits schedule in respect of each claim.

b. any claim not substantiated by a police and/or a medical report.

Please also refer to the general exclusions and conditions.

Section 19

Piste closure

(Not applicable to longstay policies. Valid for the period 1st December to 31st March only)

You are covered for the daily amount shown in your benefits schedule for each day that it is not possible to ski because all lifts are closed due to a complete lack of snow, adverse conditions or avalanche danger in your pre -booked trip resort, up to the total amount shown either;

a. for the costs you have paid for travel to an alternative resort including the necessary additional cost of a ski pass, or

b. a compensation payment to you after you return where no alternative is available.

You are not covered if you arranged this insurance or booked your trip within 14 days of departure and at that time conditions in your planned resort were such that it was likely to be not possible to ski.

Conditions

a. you must provide written confirmation from the resort authorities or ski lift operators for the period that there was no skiing available owing to the closure of all ski lifts.

b. you must submit receipts for the travel and ski pass costs that you wish to claim.

Please also refer to the general exclusions and conditions.

Section 20

Independently booked travel extension

Applicable to travel arrangements that do not form part of a package holiday.

Extended cancellation or curtailment

Section 1 – cancellation or curtailment is extended to include the following cover.

You are covered up to the amount shown in the benefits schedule for your part of the unused travel and accommodation costs (including unused pre-booked excursions up to a value of £100) that have been paid or where there is a contract to pay that cannot be recovered from anywhere else if it is necessary to cancel or curtail the planned trip because of any of the following events involving you or a travelling companion that first occur during the period of insurance;

a. you were not able to travel and use your booked accommodation, or

b. the trip was curtailed before completion;

as a result of the Travel Advice Unit of the Foreign and Commonwealth Office (FCO) or the World Health Organisation (WHO) or regulatory authority in a country to/from which you are travelling issuing a directive;

1. prohibiting all travel or all but essential travel to, or

2. recommending evacuation from;

the country or specific area or event to which you are travelling, providing the directive came into force after you purchased this insurance or booked the trip (whichever is the later), or in the case of curtailment after you had left your home country to commence the trip.

Extended travel delay & abandonment

Section 5 – travel delay is extended to include the following cover.

You are covered for either;

Travel delay

1. up to the amounts (a), (b) and (c) shown in the benefits schedule if the public transport on which you are booked to travel is cancelled or delayed, leading to your departure being delayed for more than 12 hours at the departure point of any connection, or

Abandonment or additional expenses

2. up to the amount shown in the benefits schedule in respect of;

a. irrecoverable unused accommodation and travel costs (including unused pre-booked excursions up to a value of £100) and other pre-paid charges which you have paid or are contracted to pay because you choose to abandon your trip as a result of;

i. the public transport on which you are booked to travel being cancelled, delayed for more than 12 hours, diverted or redirected after take off, or

ii. you being denied boarding (because there are too many passengers for the seats available) and no other suitable alternative flight can be provided within 12 hours, or

b. suitable additional travel and accommodation expenses (on a bed & breakfast basis) necessarily incurred in reaching your overseas destination and/or in returning to your home country, as a result of;

i. the public transport on which you are booked to travel being cancelled, delayed for more than 12 hours, diverted or redirected after take off, or

ii. you being denied boarding (because there are too many passengers for the seats available) and no other suitable alternative flight can be provided within 12 hours and you choose to make other travel arrangements.

The amount payable will be calculated after deduction of the amount of the refund on your ticket(s) together with any compensation from the public transport provider. You cannot claim under both subsection 1 or subsection 2 for the same event.

Extended missed departure

Section 6 – missed departure is extended to include the following cover.

You are covered up to the amount shown in the benefits schedule for necessary additional travel and accommodation expenses (on a bed & breakfast basis) that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of;

a. strike, industrial action, adverse weather conditions, or disruption due to a volcanic eruption, or

b. you being denied boarding (because there are too many passengers for the seats available) and no other suitable alternative flight could be provided within a time that would enable you to make your planned onward journey.

Accommodation costs

You are covered up to the amount shown in the benefits schedule for either;

1. any irrecoverable unused accommodation costs (including unused pre-booked excursions up to a value of £100) and other pre-paid charges which you have paid or are contracted to pay because you were not able to travel and use your booked accommodation, or

2. additional travel and accommodation costs necessarily incurred;

a. up to the standard of your original booking, if you need to move to other accommodation on arrival or at any other time during the trip because you cannot use your booked accommodation, or

b. with the prior authorisation of our nominated 24 hour emergency service, to repatriate you to your home country if it becomes necessary to curtail the trip;

as a result of the insolvency of the providers of the accommodation, fire, flood, earthquake, explosion, tsunami, landslide, avalanche, volcanic eruption, hurricane, storm or an outbreak of food poisoning or an infectious disease affecting your accommodation or resort. You cannot claim under subsection 1 and subsection 2 for the same event.

You are not covered for

a. the amount of the excess shown in the benefits schedule in respect of each claim, except for claims under subsection 1 of the extended travel delay cover.

b. any claim under this section which is also covered under section 1 – cancellation or curtailment, section 5 – travel delay or section 6 – missed departure for the same event.

c. claims arising directly or indirectly from;

i. strike, industrial action or 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 at the time of booking any trip.

ii. 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.

iii. denied boarding due to your drug use, alcohol or solvent abuse or your inability to provide a valid passport, visa or other documentation required by the public transport provider or their handling agents.

iv. 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.

v. any costs incurred by you which are recoverable from the public transport provider, a credit/debit card provider or for which you receive or are expected to receive compensation, damages, refund of tickets, meals, refreshments, accommodation, transfers, communication facilities or any other assistance.

vi. any accommodation costs, charges and expenses where the public transport operator has offered reasonable alternative travel arrangements.

vii. any costs for normal day to day living such as food and drink which you would have expected to pay during your trip.

Special conditions relating to claims

(applicable to all extended sections of cover)

a. 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.

b. you must get (at your own expense) written confirmation from the provider of the accommodation (or their administrators), the local police or relevant authority that you could not use your accommodation and the reason for this.

c. (for curtailment claims only) you must tell our nominated emergency service as soon as possible of any circumstances making it necessary for you to return home and before any arrangements are made for your repatriation.

d. you must check in according to the itinerary supplied to you unless your tour operator or airline has requested you not to travel to the airport.

e. you must get (at your own expense) written confirmation from the scheduled public transport operator (or their handling agents) of the cancellation, number of hours of delay or involuntarily denied boarding and the reason for these together with details of any alternative transport offered.

f. you must comply with the terms of contract of the scheduled public transport operator and seek financial compensation, assistance or a refund of your ticket from them, in accordance with the terms and/or (where applicable) your rights under EU Air Passengers Rights legislation in the event of denied boarding, cancellation or long delay of flights.

g. you must get (at your own expense) written confirmation from the scheduled public transport operator/accommodation provider that reimbursement will not be provided.

Please also refer to the general exclusions and conditions.

General exclusions

You are not covered for claims arising out of:

1. loss or damage directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, terrorism, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation, or requisition or destruction of or damage to property by or under the order of any government or public or local authority. This is not applicable, however, in respect of claims under section 2 - emergency medical expenses arising through terrorism other than losses arising from nuclear, chemical and biological exposures unless you planned to travel to areas that were publicly known to be affected or threatened by such risks. (Please see general condition 3)

2. loss, damage, expense or indemnity incurred as a result of travelling to an area that the Foreign and Commonwealth Office (or its equivalent in other EU countries) have advised against travel provided that such loss, damage, expense or indemnity is directly or indirectly related to any such circumstances that are the reason for the advice.

3. loss, damage, expense or indemnity directly or indirectly resulting from or attributable to radioactive contamination of any nature.

4. loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other flying objects travelling at sonic or supersonic speeds.

5. you travelling in an aircraft other than as a fare paying passenger in a fully licensed passenger carrying aircraft.

6. your suicide or attempted suicide or your deliberate exposure to unnecessary danger (except in an attempt to save human life).

7. sexually transmitted diseases or the influence of alcohol or drugs.

8. your participation that was planned or intended at the time of arranging this insurance in activities of a hazardous nature except as listed on page 9 under the activities levels Leisure, Action & Action Plus, (where the appropriate additional premium has been paid), unless declared to and accepted by us. We reserve the right to apply special terms and conditions (which may include additional premiums) and coverage will be subject to your compliance with them.

9. wintersports, other than curling, toboganning and recreational ice-skating, except when this insurance is taken in connection with a wintersports trip and the appropriate premium paid as provided for under the activities levels Leisure, Action or Action Plus. In no event, however, is cover granted for wintersports if you are aged over 74 or for ski or skibob racing in major events, ski jumping or the use of skeletons or bob-sleighs.

10.scuba diving if you are;

i. not qualified for the dive undertaken unless you are accompanied by a properly qualified instructor, or

ii. diving to a greater depth than 30m (or 40m under the Action activity option, subject to payment of the appropriate additional premium as shown on your certificate), or

iii. diving alone, or

iv. diving in wrecks or at night.

11.racing or race training of any kind (other than on foot or sailing) except as provided for under the activities levels Leisure, Action or Action Plus.

12.you taking part in civil commotions or riots of any kind.

13.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.

14.you breaking or failing to comply with any law whatsoever.

15.manual labour of any kind unless declared to and accepted by us.

16.your financial incapacity, whether directly or indirectly related to the claim except as provided for under section 1 - cancellation or curtailment (e).

17.the bankruptcy or insolvency of a tour operator, travel agent, transport company or accommodation supplier.

18.a tour operator failing to supply advertised facilities.

19.any government regulation or act.

20.you travelling against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.

21.you travelling against the advice of a medical practitioner.

General conditions

You must comply with the following conditions to have the full protection of your policy. If you do not comply we may at our option cancel the policy or refuse to deal with your claim or reduce the amount of any claim payment.

1. you must answer the questions relating to health and activities shown on page 3 of this policy truthfully and to the best of your knowledge and contact us, as shown, if required. If you do not do so then any related claim may be reduced or rejected or your policy may become invalid.

2. you must notify Voyager Insurance Services Ltd on 01483 562662 as soon as possible about any change in circumstances which affects your policy, including you, a person you are travelling with, a business colleague or relative receiving confirmation of a new or changed medical condition or currently being under medical investigation, change in sporting activity or leisure activities you intend to participate in during your trip or any additional persons(s) to be insured under this policy. We have the right to reassess your coverage, policy terms and/or premium after you have advised us of any such change this may include us accepting a claim for the cancellation charges applicable at that time if no suitable or alternative cover for your changed circumstances can be provided. If you do not advise us of any change then any related claim may be reduced or rejected or your policy may become invalid.

3. you must notify Voyager Insurance Services Ltd on 01483 562662 if your plans for your trip include travel to areas affected or threatened by war or similar risks as set out in general exclusion 1. We reserve the right not to cover such trips or, if we will cover them, to apply special terms or conditions and/or charge an additional premium as we think appropriate. No cover for such trips shall attach unless you accept such terms, including any additional premium, before you depart.

4. You must advise the claims handlers of any possible claim as soon as possible. You must supply them with full details of all the circumstances and any other information and documents we may require.

5. You must keep any damaged articles that you wish to claim for and, if requested, send them to the claims handlers at your own expense. If we pay a claim for the full value of an article, it will become our property.

6. You must agree to have medical examination(s) if required. In the event of your death, we are entitled to have a post mortem examination. All such examinations will be at our expense.

7. You must assist us to obtain or pursue a recovery or contribution from any third party or other insurers (including the Department of Work & Pensions) by providing all necessary details and by completing any forms.

8. You must pay us back within 1 month of demand any amounts that we have paid on your behalf that are not covered by this insurance.

9. You must take all reasonable steps to avoid or minimise any loss that might result in you making a claim under this insurance.

10. You must comply with all the terms, provisions, conditions and endorsements of this insurance. Failure to do so may result in a claim being declined.

11. Except for claims under section 3 - hospital stay benefit, section 4 - personal accident and section 5 - travel delay, this insurance shall only be liable for its proportionate share of any loss or damage that is covered by any other insurance.

12. We may take action in your name but at our own expense to recover for our benefit the amount of any payment made under this insurance.

13. We may at our option discharge any liability under this insurance by replacing or repairing any article or articles lost or damaged, or by issuing you with a credit voucher.

14. no refund of premium will be allowed after the 14 day cooling off period following the date of purchase of this insurance nor after any travel has begun nor if an incident has occurred, a claim has been made or is intended to be made.

15. this insurance is non-transferable. If a trip is cancelled for any reason other than that described in section 1 - cancellation or curtailment then the cover for that trip terminates immediately and no refund of premium in whole or part will be made.

16. If you or anyone acting on your behalf makes any claim knowing it to be false or fraudulent in any way then this insurance shall become void, premiums non-refundable and all claims shall be forfeited.

Certification of cover

The schedule, together with the policy wording, certifies that insurance has been effected between you and the insurer. In return for payment of the premium specified in the schedule, the insurer agrees to insure you in accordance with the terms and conditions contained in or endorsed on these documents. The insurer has entered into a Binding Authority Contract (reference B6002ADLVOYBA12) with Voyager Insurance Services Ltd which the insured has authorised Voyager Insurance Services Ltd to sign and issue these documents on its behalf.

Insurers

This insurance is arranged by Voyager Insurance Services Ltd and is underwritten by PTI Insurance Company Ltd. Registered in Gibraltar No. 33927. Registered office Suite 935 Europort, P.O. Box 793, Gibraltar.

Our regulator

PTI Insurance Company Ltd are authorised and regulated by the Financial Services Commission (FSC)in Gibraltar. The FSC holds a register of all regulated firms on its website www.fsc.gi. PTI Insurance Company Ltd are passported into the Financial Conduct Authority (Financial Services Firm Reference Number: 202886). Voyager Insurance Services Ltd and International Passenger Protection Limited are authorised and regulated by the Financial Conduct Authority. These details can be checked on the Financial Services Register by visiting the FCA’s website on www.fca.org.uk/register or by contacting them on 0800 111 6768.

Financial Services Compensation Scheme

Data Protection Act 1998

Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area.

Governing law

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 otherwise the law of England and Wales will apply to this policy.

Period of insurance

If you have paid the appropriate annual multi-trip travel insurance premium and you are under 75 years old, the overall period of insurance shall be for 12 months starting from the date shown on your certificate. This insurance then covers an unlimited number of holiday, leisure or business trips starting within that period, provided that no single trip is intended to be for longer than the maximum number of days shown in the policy features table for the cover you have bought. Wintersports are covered up to the total number of days shown in the policy features table.

Except as stated below, cover for each separate trip under this insurance starts when you leave your home or place of business in your home country at the start of your trip, and finishes as soon as you return to your home or place of business in your home country for any reason.

If you have paid the appropriate longstay travel insurance premium, this insurance allows you to return to your home country for short term visits of up to two weeks, as long as they are not subject to a claim. Cover is temporarily suspended for the duration of these visits.

You are only covered for the period for which a premium has been paid and in any event the total period of any one trip must not exceed the period shown in the policy features table.

For cancellation only (section 1), cover starts from the date shown on your certificate or the date you book your trip, whichever is the later.

Personal money (section 8) will be covered from the time of collection but not more than 72 hours before travel.

If you are going on a one-way trip all cover will finish 48 hours after your arrival in the country of final destination.

If your return is unavoidably delayed for an insured reason, cover will be extended free of charge for the period of delay.

Complaints procedure

We will do everything possible to ensure that you receive a high standard of service. If you are not satisfied with the service received please contact us.

When you contact us please give us your name and contact telephone number. Please also quote your policy and/or claim number and the type of policy you hold.

Step one – Initiating your complaint

Does your complaint relate to:

A. The sale of your policy?

B. A claim or assistance case on your policy?

If A, you need to contact the agent from where you bought your policy or;

Voyager Insurance Services Ltd

13-21 High Street,

Guildford,

Surrey,

GU1 3DG

Tel: 01483 562662

Fax: 01483 569676

Email: enquiries@voyagerins.com

If B, you can contact;

The Complaints Officer,

Sussex House, Perrymount Road,

Haywards Heath,

West Sussex, RH16 1DN.

Tel: 0208 865 1658

Email: voyagerassistance@intana-assist.com

We expect that the majority of complaints will be quickly and satisfactorily resolved at this stage, but if you are not satisfied, you can take the issue further:

Step two – If you remain dissatisfied

If you are still dissatisfied you may refer your case to the Financial Ombudsman Service (FOS).

The Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London, E14 9SR

Tel: 0300 123 9123 or 0800 023 4567

Fax: 020 7964 1001

Email: complaint.info@financial-ombudsman.org.uk

Please note that you have six months from the date of our financial response in which to refer your complaints to the FOS. Referral to the FOS will not affect your right to take legal action.

Activities - Cover options

Please note any involvement in the following sports and/or activities is subject to your compliance with local laws and regulations and the use of recommended safety equipment (such as a helmet, harness, knee and/ or elbow pads).

Please note the policy terms and conditions will still apply in all other respects.

Please also refer to the general exclusions and conditions.

Leisure

This policy automatically covers you to undertake the activities listed below on an amateur basis.

Abseiling;

Aerobics;

Angling;

Archery;

Athletics;

Badminton;

Ballooning;

Banana boating;

Baseball;

Basketball;

Biathlon;

Big foot skiing (W/S premium must be paid);

Black water rafting;

Boating (any craft less than 10 metres long, inside 12 mile limit);

Boardsailing;

Bowls;

Bowling;

Bungee jumping (incidental 1-3 jumps);

Camel riding;

Canoeing (grades 1-3);

Cat skiing (W/S premium must be paid);

Clay pigeon shooting;

Climbing (indoor only);

Cricket;

Croquet;

Cross country skiing (W/S premium must be paid);

Curling;

Cycling (recreational, not BMX, competition or stunting);

Dance;

Deep sea fishing (recreational inside 12 mile limit);

Dinghy sailing (inside 12 mile limit);

Diving (recreational);

Dog sledging;

Dry slope skiing;

Elephant trekking;

Fell running;

Fell walking;

Fencing;

Flying (in light aircraft as a passenger, not piloting);

Fishing (angling);

Football (recreational or incidental soccer);

Glacier walking (under 2000m, W/S premium must be paid);

Gliding (as a passenger, not piloting);

Go karting below 250cc;

Golf;

Handball;

Hiking/trekking/walking below 4000m;

Hill walking;

Hockey;

Horse riding (NOT competitions, racing, jumping & hunting);

Hot air ballooning (as a passenger only);

Ice skating (on rink, recreational only);

Indoor climbing (on climbing wall only);

Jet skiing;

Kayaking (grades 1-3 rivers/sea);

Kite buggying (single seat);

Kite flying (traction);

Kite surfing (over water);

Lacrosse;

Mono-skiing (W/S premium must be paid);

Motorcycling (on road, provided you hold an appropriate full licence and are wearing a helmet, max 14 days any one trip);

Mountain biking (not competition or downhill);

Netball;

Off-piste skiing (providing local safety guidelines and warnings are observed);

Orienteering;

Paintballing;

Parascending (towed by boat);

Pistol shooting;

Pony trekking;

Racquet ball;

Rafting (grades 1-3);

Rambling;

Rifle range shooting;

Roller blading;

Roller skating;

Rounders;

Rowing;

Safari (organised trips only);

Sail boarding(inside 12 mile limit);

Sailing yachts (longer than 10 metres, within 60 miles of a safe haven);

Scuba diving (maximum depth 30m);

Skateboarding (recreational);

Skiing (W/S premium must be paid);

Sledging;

Sleigh riding (pulled by reindeer, horses or dogs):

Snooker;

Snorkelling;

Snow-boarding (W/S premium must be paid);

Snow-mobiling (W/S premium must be paid);

Softball;

Squash;

Surfing;

Table tennis;

Tai chi (non-contact);

Ten pin bowling;

Tennis;

Tobogganing (W/S premium must be paid);

Trampolining (recreational);

Volleyball;

Water polo;

Water skiing;

Water tubing;

White water canoeing/rafting (up to grade 3 rivers only);

Windsurfing (inside 12 mile limit);

Yachting (longer than 10 metres, within 60 miles of a safe haven);

Zip wiring;

Special conditions and exclusions applicable to Action and Action Plus activities.

Please note whilst participating in any of the activities listed under Action or Action Plus, the following will apply;

a. no cover will be provided under section 4 - personal accident.

b. no cover will be provided under section 10 - personal liability.

c. the policy excess under section 2 - emergency medical expenses will be increased to £200 per person per claim.

d. any involvement in these sports and/or activities is subject to your compliance with local laws and regulations and the use of recommended safety equipment (such as a helmet, harness, knee and/or elbow pads).

Please note the policy terms and conditions will still apply in all other respects.

Please also refer to the general exclusions and conditions.

Action (not applicable to Longstay policies, unless declared to us and confirmed in writing)

In addition to the activities listed above, the following activities will also be covered on an amateur basis and are subject to a 75% premium load.

Bungee jumping (more than 3 jumps);

Canoeing (grade 4 and over);

Cycling (including event training);

Flying (piloting of light aircraft as PPL holder);

Football (amateur competition/tour);

Glacier walking (2000-4000m, W/S premium must be paid);

Gliding (as pilot with necessary licence);

Gymnastics;

Kayaking (grade 4 and over);

Marathon running;

Rafting (grade 4 and over);

Scuba diving (maximum depth 40m);

Skateboarding (demonstration or competitive);

White water canoeing/rafting (grade 4 and over);

Action Plus (not applicable to Longstay policies, unless declared to us and confirmed in writing)

In addition to the activities listed above, the following activities will also be covered on an amateur basis and are subject to a 100% premium load.

American football;

Bouldering (with crash pad; max height 7m);

Canyoning;

Cat skiing (W/S premium must be paid);

Cycling (including competition but not BMX or stunting);

Flying (piloting of light aircraft under instruction);

Gaelic football;

Gliding (as pilot under instruction);

Heli skiing (with a qualified guide, W/S premium must be paid);

Horse riding (including jumping but not racing/hunting);

Hurling;

Ice hockey (W/S premium must be paid);

Judo (training only);

Karate (training only);

Kendo (training only);

Kick boxing (training only);

Martial arts (training only, excluding mixed martial arts);

Polo (elephant or horse);

Roller hockey;

Rugby union & league;

Sailing (more than 60 miles from a safe haven);

Triathlon (not exceeding Olympic

W/S = Wintersports

If the activity in which you are participating is not listed or you need to pay an additional premium for those activities listed in Action and Action Plus, please contact Online Travel Insurance Services Limited on 0844 249 9280.