Overall limit: (per person)

£10,000,000

Part E

£20 per day, up to £400

Part F

£50,000

What You are covered for

If You become unexpectedly ill or are injured outside Your home country, We will pay up to the amount shown above in all each Insured Person in respect of:

A) reasonable and necessary emergency medical treatment expenses, ambulance charges and similar costs, hospital fees and emergency dental treatment costs (up to £200 for the immediate relief of pain only), additional accommodation (room only) and repatriation expenses necessarily incurred and payable until such time as, when in the opinion of the doctor in attendance and Our medical advisers, You are fit to travel;

B) necessary travel and accommodation (room only) expenses of one relative or friend, or a qualified nurse who in the opinion of the doctor in attendance and Our medical advisers is needed to accompany You, because of Your disability;

C) additional return Home Expenses necessarily incurred by You resulting from the death, sudden illness or injury of Your spouse or other Close Relative not travelling with You;

D) the transfer of Your body or ashes in the event of death, to Your Home (but excluding funeral and internment expenses), or alternatively, to pay up to £3,500 towards the cost of burial or cremation expenses in the country where death occurs;

E) a hospital inconvenience benefit (up to the amount shown above) in the event of You being admitted to hospital abroad as an in-patient due to accidental bodily injury or illness sustained abroad during the period of Your Trip;

F) Search and Rescue costs up to £50,000 (£10,000 within Your country of domicile) as a result of an accident which involves search and emergency rescue for a period not exceeding 72 hours from the time at which assistance is first summoned.

What You are not covered for

1. Anything in the General Exclusions.

2. The Event Excess other than in respect of Part E -hospital inconvenience benefit, where no excess will apply and Part (F) Search and Emergency Rescue costs where You will be responsible for the first £500 of each and every claim each Insured Person.

3. In-patient treatment which has not been notified to and agreed by Us or Our Emergency Assistance provider.

4. Outpatient treatment and additional related expenses over £500 unless they have been agreed by Us or Our Emergency Assistance provider.

5. Replenishing supplies of any medication You were using at the start of Your Trip.

1. Pregnancy or childbirth where the expected delivery date is within 14 Weeks of the date of arrival Home.

2. Any expenses incurred within the United Kingdom or your home country.

3. Any form of cosmetic surgery and/or treatment which in the opinion of a medical practitioner could reasonably be delayed until Your return Home.

4. Expenses incurred more than 12 months after the commencement date of the injury or illness.

5. Charges for private room accommodation.

6. Expenses incurred for in-patient treatment or private treatment not specifically authorised by Us or Our Emergency Assistance provider.

7. Ongoing treatment in existence at the time of travel which has not been agreed by Us in writing.

8. The cost of any elective treatment or surgery including exploratory tests, which are not directly related to the injury or illness which needed Your admittance into hospital.

9. Any expenses or costs after the date that the treating doctor together with Our Emergency Assistance provider have deemed that You are fit to travel.

10. Any expenses incurred as a result of a tropical disease where You have not taken the recommended inoculations.

What You are covered for

Up to the amount shown above in all each Insured Person in full for Your external accidental bodily injury, which independently of any other cause results in:

A) death, or

B) total and permanent loss of sight in one or both eyes or total loss by physical severance at or above the wrist or ankle or total and permanent loss of use of one or both hands, arms, legs or feet; or

C) permanent and total disablement from engaging in paid employment or paid occupations of any and every kind which has continued for 12 months from the date of injury and is without hope of improvement;

all occurring within 12 months of the event happening. The maximum amount of all benefits payable for one or more injuries sustained by You during the Period of Insurance shall not exceed the overall limit shown.

What You are not covered for

1. Anything in the General Exclusions,.

2. More than £5,000 death benefit when Your age is under 16 years or over 70 years.

3. Permanent total disablement benefit when You are no longer in full time employment and in any event when You are aged 70 years or more.

4. In respect of category (iv) and (v) activities, as notified to the Scheme Administrator, the benefits under this section are reduced to £5,000 unless specified otherwise on the Schedule of Insurance.

What You are covered for

Up to the amount shown above in all each Insured Person in respect of:

1. Your legal liability to a third party arising during the period of the Trip as a result of: a) accidental injury to any person; b) accidental loss of or damage to property.

In addition We will also pay legal costs and Expenses incurred, with Our written consent, subject to Our liability not exceeding the overall limit shown above, for all damages and costs payable arising out of one event or series of events consequent upon the original cause.

What You are not covered for

1. Anything in the General Exclusions.

2. The first £200 of each and every claim in respect of loss or damage to temporary holiday accommodation.

3. Bodily injury or disease to any person who, at the time of sustaining such injury, is engaged in Your service or to any member of Your family or anyone You are travelling with.

4. Damage to property belonging to, or in the care, custody or control of You or a member of Your family or a person in Your service.

5. Any liability arising out of or incidental to any profession, occupation, or business.

6. Any liability which has been assumed under contract and would not otherwise have attached.

1. Any liability arising out of ownership, possession, or operation of: a) any motorised or mechanically propelled or horse

2. drawn vehicle; b) any aircraft, motorised or mechanically propelled watercraft or sailing vessel; c) any animal.
7. Any liability arising out of the ownership, occupation, possession, or use of any land or building (other than occupation only of any temporary residence).

8. Any liability arising out of the use of guns, spearguns, bows or crossbows.

9. Any liability arising in respect of any wilful or criminal act or assault.

10. Any liability arising in any country in which You own premises, or are resident.

Part A (per person)	£1,000
Single items, pair or set limit	£400
Part B (per person)	£200
Part C (per person)	£200

What You are covered for

Up to the amount shown above in all each Insured Person in respect of:

A) loss or damage to Your own Activity Equipment taken with You or purchased on Your Trip but subject to the limits as set out above in respect of single items, pairs or sets, loss of hired Activity Equipment which is Your responsibility;

B) the hire of essential items if Your own Activity Equipment is misplaced, or stolen on Your outward journey for over 12 hours from the time You arrive at Your Trip destination;

C) the hire of Activity Equipment if Your own is lost or damaged during Your Trip.

Basis of claims settlement – Ski Equipment

Claims will be assessed as a percentage of the original purchase price and the age of the Ski Equipment at the time of the loss as follows:

• Up to 1 year old – 90%

• Up to 2 years old – 80%

• Up to 3 years old – 60%

• Up to 4 years old – 40%

• Up to 5 years old – 30%

• Over 5 years old – 10%

What You are not covered for

1. Anything in the General Exclusions.

2. The Event Excess in respect of Part A only.

3. Expenses that You would have incurred during the normal course of Your Trip.

4. Loss or damage to any motorised mechanically propelled or horse drawn vehicle, any aircraft, motorised or mechanically propelled watercraft or sailing vessel.

Part A

1. Loss or theft in respect of which a written police report has not been obtained within 24 hours of discovery.

2. Any claim not supported by documentary evidence of value(s) and proof of ownership.

3. Loss or damage caused by normal wear and tear, moth, vermin, atmospheric conditions, gradual deterioration or electrical or mechanical breakdown.

4. Activity Equipment left Unattended away from Your Trip accommodation unless between 6.00am and 11.00pm local time and it is in the locked boot or covered hatchback of a motor vehicle where entry was gained by violent and forcible means.

5. Loss or damage arising from delay, confiscation or detention by customs or other authorities.

6. Property more specifically insured elsewhere.

7. Damaged Activity Equipment not available for Our inspection.

What You are covered for

Up to the amount shown above in all each Insured Person in respect of legal costs and expenses incurred by You in pursuit of compensation and/or damages against a third party arising from or out of Your death or personal injury occurring during the period of the Trip.

Note:

A) We shall have complete control over the legal proceedings and the appointment and control of a lawyer.

B) You must follow the legal representatives advice and provide any information and assistance required. Failure to do so will entitle Us to withdraw cover.

C) We must have access to any and/or all the legal

representatives file of papers. D) We may include a claim for Our costs and Expenses. E) Failure by You to comply with all or any of these conditions

will entitle Us to render the legal Expenses aspect of this insurance void and thereby withdraw cover.

What You are not covered for

1. Anything in the General Exclusions.

2. Costs and Expenses to pursue a claim against Underwriting Agents, Insurer or Insurers Agent or any other person insured under this policy or with whom You had arranged to travel.

3. Costs and expenses incurred prior to the granting of support by Us. We reserve the right to withdraw at any stage and shall not then be liable for any further expenses.

4. Where the claim has been reported more than 180 days after the commencement of the incident giving rise to a claim.

5. Where the laws, practices and/or financial regulations of the country in which the proposed action will take place indicate that the costs of such action are likely to be reasonably greater than the anticipated value of the compensation award.

6. Where You are insured for legal expenses under any other insurance policy.

7. Where, in Our opinion, there is insufficient prospect of success in obtaining a reasonable benefit.

8. Any claim emerging from the pursuance to a contingent fee agreement between You and Your council.

9. Any claim for travel and accommodation expenses, which You have incurred whilst pursuing legal action.

10. Any claim arising from You pursuing legal proceedings as part (or) on behalf of a group or organisation.

11. Any claim for legal costs where You are pursuing legal action relating directly or indirectly to medical negligence or alleged medical negligence.

12. Any claim against Your family or travelling companions.

Note:

i. We will not be liable for any claim where legal costs and Expenses are based directly or indirectly on the amount of an award.

ii. This insurance will not extend to covering You in pursuit of any appeal except at Our sole discretion.

iii. Where there is a possibility of a claim being brought in more than one country We will not be liable for the costs if an action is brought in more than one country.