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Dive Master Insurance Premium Travel Policy

Wording

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Contents IMPORTANT ............................................................................................................................................................................... 3

IMPORTANT NOTES ABOUT YOUR POLICY & COVERAGE .......................................................................................................... 4

FITNESS TO TRAVEL REQUIREMENTS & PRE EXISTING MEDICAL CONDITIONS AND LINKED CONDITIONS ............................... 5

PREGNANCY AND CHILDBIRTH ................................................................................................................................................... 5

CLOSE RELATIVES OR BUSINESS ASSOCIATES WHOSE HEALTH MAY AFFECT THE TRIP ............................................................. 6

MAKING A CLAIM ....................................................................................................................................................................... 6

SEEKING EMERGENCY ASSISTANCE............................................................................................................................................ 6

DEFINITIONS TO HELP YOU UNDERSTAND YOUR POLICY .......................................................................................................... 7

ACTIVITIES AND SPORTS THAT ARE COVERED BY YOUR POLICY .............................................................................................. 10

BEFORE YOU TRAVEL ............................................................................................................................................................... 11

PERIOD OF INSURANCE ............................................................................................................................................................ 11

EXTENSION OF THE PERIOD OF INSURANCE ............................................................................................................................ 12

CANCELLATION ........................................................................................................................................................................ 12

SUBROGATION & NON CONTRIBUTION CLAUSE ..................................................................................................................... 12

SECTION A – BAGGAGE & DIVE EQUIPMENT ........................................................................................................................... 12

SECTION B - PERSONAL MONEY ............................................................................................................................................... 14

SECTION C - PERSONAL ACCIDENT ........................................................................................................................................... 15

SECTION D - PERSONAL LIABILITY ............................................................................................................................................ 15

SECTION E - MEDICAL & EMERGENCY EXPENSES ..................................................................................................................... 17

SECTION F - CANCELLATION & CURTAILMENT ......................................................................................................................... 18

SECTION G - DELAYED DEPARTURE .......................................................................................................................................... 22

SECTION H - MISSED DEPARTURE ............................................................................................................................................ 23

SECTION I - HOSPITAL INCONVENIENCE BENEFIT .................................................................................................................... 24

SECTION J - LOSS OF PASSPORT ............................................................................................................................................... 24

SECTION K - LEGAL EXPENSES & ADVICE .................................................................................................................................. 24

SECTION L - LOSS OF ACTIVITY DAYS ........................................................................................................................................ 25

SECTION M – ADVERSE WEATHER ........................................................................................................................................... 25

SECTION N – HIJACK ................................................................................................................................................................. 26

SECTION O – AVALANCHE DELAY ............................................................................................................................................. 26

SECTION P – PISTE CLOSURE .................................................................................................................................................... 26

OPTIONAL ADDITIONAL POLICY BENEFITS: .............................................................................................................................. 27

ADVENTURE SPORTS AND DIVE PROFESSIONAL DEVELOPMENT COVER................................................................................. 27

INCREASED BAGGAGE ITEM LIMIT ........................................................................................................................................... 27

INDEPENDENT ITINERARY FAILURE .......................................................................................................................................... 28

TRAVEL DISRUPTION COVER .................................................................................................................................................... 28

EXCESS WAIVER ....................................................................................................................................................................... 29

GENERAL EXCLUSIONS ............................................................................................................................................................. 29

CONDITIONS ............................................................................................................................................................................ 30

RESOLUTION OF DISAGREEMENTS .......................................................................................................................................... 32

COMPLAINTS ............................................................................................................................................................................ 32

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IMPORTANT Please read this booklet carefully and keep it safe as it contains important information regarding the

coverage that You have purchased. YOUR POLICY This document is only valid when issued with a Dive Master Travel Insurance Schedule or electronic Schedule. To avoid any misunderstanding please check all the details are correct and that You have the protection You need and know what to do should You have a loss or need to claim. Please notify Dive Master if any information that You have provided to Us or circumstances that affect Your travel risk change at any time. Failure to do so may invalidate Your cover in the event of a claim. If You have any questions please contact Dive Master by telephone or write to us. Please keep these documents in a safe place and whilst it is not essential, We would recommend that You take these documents with You when You travel.

Insurers This policy is arranged by Dive Master Insurance Consultants Ltd, and is underwritten by Ironshore Europe Designated Activity Company is regulated by the Central Bank of Ireland. Registered in Dublin, Republic of Ireland. Registered Number: 484148. Registered office: 2 Shelbourne Buildings, Shelbourne Road, Ballsbridge, Dublin 4, Republic of Ireland. Dive Master Insurance is authorised and regulated by the UK Financial Conduct Authority (FCA member number 306316). Details may be found by visiting the FCA website (http://www.fca.org.UK/register/home.do) Contract of Insurance This is Your contract of insurance; it contains certain conditions and exclusions in each section, and general conditions and exclusions that apply to all sections of the policy. Governing Law and Disputes This contract of insurance shall be governed by and construed in accordance with the law of England and Wales. Any dispute or difference arising under or in respect of this policy shall be subject to the exclusive jurisdiction of the courts of England and Wales. Contract Rights A person who is not a party to this contract has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this contract but this does not affect any right or remedy of a third party which exists or is available apart from that Act. Language of Contract of Insurance Unless otherwise agreed, the language of this contract of insurance shall be English. How We Will Use Your Data We hold Your personal data in accordance with the Data Protection Act 1998. The information supplied to the Underwriters and Us by You may be held on computer and passed to other Insurers for underwriting and claims purposes. You should show this to anyone whose personal data may be processed to administer this insurance. SANCTIONS CLAUSE Underwriters shall not provide any benefit under this policy to the extent of providing cover, payment of any claim or the provision of any benefit where doing so would breach any sanction, prohibition or restriction imposed by law or regulation. Annual Policy Holders – Auto Renewal Service To make sure You have continuous cover under Your policy, Dive Master will aim to automatically renew (auto-renew) Your policy when it expires unless You tell Us not to. Each year Dive Master will write to You 28 days before the renewal date of Your policy and provide You with the policy

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documents that will apply and any changes to the premium or the policy terms and conditions. If You do not want to auto-renew Your policy, just call Dive Master on +44 (0) 1702 476902 or log into Your account and select “current policies” then deselect the auto-renewal option. Otherwise We will collect the renewal premium(s) from the credit card or debit card used for Your original purchase. Please note Your renewed policy will only be valid when:

You have told Dive Master about any changes to Your risk(including any changes in health conditions)

The credit card or debit card has been charged In some cases Dive Master may not be able to automatically renew Your policy. We will let You know at the time if this is the case. Dive Master are entitled to assume that Your details have not changed and You have the permission of the card holder unless You tell Us otherwise. Dive Master will not retain Your payment details. We will tell the processing bank that have Your payment details to charge the relevant premium to the debit card or credit card on or before the renewal date. You can tell Dive Master about any changes to Your policy details or opt out of automatic renewal at any time by phoning Us on +44 (0) 1702 476902 Cancellation of Your policy and the ‘cooling-off’ period If this policy does not meet Your requirements then You may cancel the policy within 14 days of buying the policy, or within 14 days of the date that You received Your policy, provided that You have not already travelled or have made a claim against the policy.

IMPORTANT NOTES ABOUT YOUR POLICY & COVERAGE Coverage This policy is designed to cover residents domiciled in the UK for pre-booked round trips of in Excess of 48 hours in length commencing in and returning to Your domiciled address, for both Conventional Leisure Holidays, Diving Holidays, Winter Sports and Business trips. This includes trips with a destination within the United Kingdom provided such trips involve at least two nights’ accommodation that have been pre booked before commencement of the trip. Please note that coverage under the liability section only applies to trips within the UK if they are pre-booked and pre-planned and including at least five nights’ accommodation.

IMPORTANT: This is not a specialist diving liability policy, it does not include coverage for dive instruction, dive supervision and advice, nor does it include coverage for criminal defence costs relating to civil liability claims. If You require such specialist benefits please consider purchasing our Sport Diver or Pro Diver products. Residents who are domiciled outside the UK may also be Insured by agreement. This policy must be bought before leaving Your Home Address and travel commences. Cancellation Cover

This policy only covers cancellation for holidays that occur within the policy dates of coverage.

Coverage under this section commences from the date the Schedule is issued or Your trip is booked (whichever is later) and ends at the beginning of each trip or at the end of the policy (whichever is sooner).

It is important that should You book a holiday commencing outside the policy dates that You immediately arrange a policy that covers the dates of that holiday.

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If You book a holiday outside Your existing policy dates and this is before You have received a renewal invitation simply purchase a new policy covering the dates of the new trip online. Please note We can provide a policy start date up to 18 months in advance.

Reciprocal Health Agreements When You are travelling to another country within the European Union, You must register for a European Health Insurance Card at Your local post office or register via www.ehic.org.uk. This entitles European citizens to benefit from health agreements that exist between countries who are members of the European Union (EU). In addition if You are travelling to Australia and/or New Zealand You may be entitled to reciprocal healthcare and You must register with the Medicare or the equivalent scheme of these countries. If the Underwriters agree to a claim for medical expenses which has been reduced because You used an EHIC, reciprocal health agreement or private health insurance the Underwriters will not apply the Excess for this section. Failure to obtain an EHIC or equivalent reciprocal health agreement may affect Your ability to claim under this policy. Territorial Limits The coverage under this policy is Worldwide, but is subject to Foreign & Commonwealth Office travel advice. Please visit www.fco.gov.uk or contact Your Tour Operator if You are unsure what the current published travel advice is for the region that You will be travelling to. However if non-essential travel is not recommended by the Foreign & Commonwealth Office, but You or Your Tour Operator maintain that the destination is still safe, then please contact Us as Insurers may still grant coverage by formal agreement upon consideration of Your travel itinerary. Aggregate Maximum total aggregate limit(s) of this insurance is: £2,000,000.00 any one loss any one insured.

FITNESS TO TRAVEL REQUIREMENTS & PRE EXISTING MEDICAL CONDITIONS AND LINKED CONDITIONS

This Travel Insurance Policy will not cover any Pre Existing Medical Conditions and linked conditions that occur before the purchase of the policy unless specifically declared and agreed.

This Travel Insurance Policy is designed to cover unforeseen illnesses and accidents that first occur during the Travel Period. This policy will not cover any claims made as a result of a pre-existing medical condition or symptoms that You are aware of or that has been diagnosed or is awaiting diagnosis unless specifically agreed by insurers.

It is therefore Your responsibility to disclose any medical conditions that may affect our decision to insure You, and if Your Health Changes after You have taken out this Insurance Policy then You must contact Us without delay.

If You decide to book a trip or travel after Your Health Changes and You do not contact Us We will not pay any claims arising as a result of Your Health Changes. Underwriters reserve the right to alter the terms of this insurance based on the changed medical circumstances.

PREGNANCY AND CHILDBIRTH We provide cover under this policy if something unexpected or unforeseen happens while You are travelling. In particular We provide cover under Section E- Medical and Emergency Expenses for injuries to the body or illness that were not expected when the trip commenced.

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We do not consider pregnancy or Childbirth to be an illness or injury. To be clear, We only provide cover under Section E – Medical and Emergency Expenses, Section F- Cancellation and Curtailment, SECTION I – HOSPITAL INCONVENIENCE BENEFIT, for claims that arise from the Complications of Pregnancy and Childbirth. Please make sure You read the definition of “Complications of Pregnancy and Childbirth” on page 7. If You have become pregnant before Your diving holiday commences We will only pay up to the limit of the policy under SECTION L – LOSS OF ACTIVITY DAYS for any lost diving activities as a result of the pregnancy.

CLOSE RELATIVES OR BUSINESS ASSOCIATES WHOSE HEALTH MAY AFFECT THE TRIP If at the time of taking out this insurance, or booking the trip if this was later, You are aware that Your travel may be cancelled or curtailed because of deteriorating health of a Close Relative or business associate for which he or she

was receiving treatment at a hospital, other than routine hospital check-ups for a stable condition, at regular intervals, which have been arranged beforehand.

was awaiting a hospital consultation or treatment, other than routine check-ups for a stable condition, at regular intervals, which have been arranged beforehand.

had been given a terminal prognosis, or have been told that their condition is likely to deteriorate in the next 12 months.

We will not pay any claim You or any Insured person makes in relation to/or arising from the medical condition of the Close Relative or business associate, unless it has been declared to Us and specifically agreed by underwriters.

MAKING A CLAIM Claims must be reported to Us within 60 days of the incident occurring by submitting an online claim form found at www.divemasterinsurance.com, or by calling +44 (0) 1702 509094 or by sending an email to claims@divemasterinsurance.com. The claim form and all supporting claim documents must then be submitted within 12 months of the initial notification. Please note that if Your claim is an emergency then please contact NORTHCOTT GLOBAL SOLUTIONS LTD (NGS) as per the SEEKING EMERGENCY ASSISTANCE instructions.

SEEKING EMERGENCY ASSISTANCE The Insured Persons should use the services of the following named assistance company to the full for all emergency matters, medical emergency matters, in-patient hospital treatment and evacuation/repatriation. The assistance company will be solely responsible for all decisions on the most suitable practical and reasonable solution to any problem, and all such assistance is subject to the prior approval of said assistance company:

Northcott Global Solutions Ltd Tel: +44 (0)207 183 8910 Back up Mobile: +44(0) 7785627433 Email: ops@northcottglobalsolutions.com

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Northcott Global Solutions Ltd (NGS) may be contacted at any time, should the Insured Person require advice or assistance regarding all emergency matters. In the event of an Insured Person requiring in-patient hospital treatment and/or evacuation/repatriation, it is imperative that NGS is contacted and authorisation obtained prior to such treatment and/or evacuation/repatriation taking place. NGS must be informed that this Contract covers the person concerned and the following details must be provided:

• The Insured Person’s name • The Insured Person’s location • The Insured Person’s details (including passport/visa etc). • The Policy number • ID reference number “NGSDIVE002” • The name and phone number of the doctor and hospital treating the Insured Person (if

applicable) • Any additional people (outside of normal protocol) that should be updated throughout

the case • Nature of the incident • The desired end state (what you want NGS to do) • Any other pertinent information on the incident that may effect NGS’ response (security

situation etc) Failure to contact NGS and obtain authorisation may prejudice the claim and could mean that some or all of the costs involved may not be paid. The Insured Person should not attempt to find their own solution and then expect full reimbursement from the Underwriters without prior approval first having been obtained from NGS Limited. In the event that cover cannot be established at the outset of an emergency it is agreed that the first named insured will guarantee payment until such time that cover can be accepted by insurers.

DEFINITIONS TO HELP YOU UNDERSTAND YOUR POLICY

Adventure Sports Holiday Cover – Means activities and sports that may be added to Your Insurance Policy for an additional premium.

Baggage/Property/Luggage - Collective names for Your personal belongings, personal effects, possessions and any other items that You own.

Bodily Injury - An identifiable physical injury sustained by You caused by sudden, unexpected external and visible means. Injury as a result of Your unavoidable exposure to the elements shall be treated as being caused by Bodily Injury.

Business trips – Means travel directly as a result of Your profession or occupation excluding armed forces, police, fire, nursing or ambulance services.

Child/Children - Means a Dependent Child who is up to 17 years of age or up to the age of 23 years of age provided that they are in full time education. Under this policy a Dependent Child up to the age of 17 years of age, in addition to travelling with You or Your Partner, will also be covered to travel independently only with school teachers on an organised school trip.

Close Relative - Means a Partner, son(s), daughter(s), parent(s), and parent in law, brother, sister, brother in law, sister in law, or grandparent(s) or any of these for any Insured person.

Complications of pregnancy or Childbirth - In this policy ‘Complications of Pregnancy and Childbirth’ will only include the following:

I. Toxaemia (toxins in the blood) II. Gestational diabetes (diabetes arising as a result of pregnancy)

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III. Gestational hypertension (high blood pressure arising as a result of pregnancy) IV. Pre-eclampsia (where You develop high blood pressure, carry abnormal fluid and

have protein in Your urine during the second half of pregnancy) V. Ectopic pregnancy (a pregnancy that develops outside of the uterus)

VI. Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue)

VII. Post-partum haemorrhage (Excessive bleeding following Childbirth) VIII. Retained placenta membrane (part or all of the placenta is left behind in the uterus

after delivery) IX. Placental abruption (part or all of the placenta separates from the wall of the uterus) X. Hyperemesis gravidarum (Excessive vomiting as a result of pregnancy)

XI. Placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of the cervix)

XII. Stillbirth XIII. Miscarriage XIV. Emergency Caesarean section XV. A termination needed for medical reasons

XVI. Premature birth more than 8 weeks (or 16 weeks if You know You are having more than one baby) before the expected delivery date

Conventional Leisure Holidays – Means non Diving Holidays for leisure purposes only excluding travel for business and professional purposes

Curtailment - Means returning home early from a journey or holiday before the Scheduled return date.

Dependent Child – Means a Child who does not necessarily permanently reside with You or Your Partner but is financially dependent upon You or Your Partner

Dive Equipment/Diving Equipment - Means self-contained underwater breathing apparatus, buoyancy compensators, weights & weight belts, fins, masks, masks with prescription lenses, snorkels, knives, wet or dry suits, pressure & depth gauges, compasses, torches, lamps, dive watches, dive computers, purpose made dive bags and anything specifically agreed by us.

Diving Holidays – Means diving leisure holidays and travelling as a part of group, club or as an instructor

Emergency Essential Replacement items - Means items that You have to purchase as a result of lost or delayed Baggage including items such as prescribed medications, toiletries and clothing.

European Union or EU - All member countries of the EU and this includes: Isle of Man, Channel Islands, Canary Islands and Gibraltar.

Excess - Refers to the specified portion of a claim that is not covered by the Insurance Policy. The first £50 or £100 for each and every claim is not covered under some sections of this policy.

Health Changes – Means any change to Your own medical circumstances after You have purchased a policy. This includes any medical condition or symptoms that You are aware of or that has been diagnosed or is awaiting diagnosis.

Hijack - Means the unlawful seizure or wrongful exercise of control of a vehicle which You are travelling in as a Passenger

Home Address - Means Your Home Address where You are ordinarily domiciled.

Insurance Policy - A written contract defining the insurance plan, its coverage, exclusions, eligibility requirements, and all benefits, warranties and conditions that apply to individuals Insured under the contract.

Insured/You/Your - Refers to each person named on the Schedule of insurance.

Loss of Hearing- Means total and irrecoverable Loss of Hearing.

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Loss of Limbs - Means loss by physical severance at or above the wrist or ankle or the total and permanent loss of use of an entire hand, arm, foot or leg.

Loss of Sight - Means complete and irrecoverable Loss of Sight.

Manual Labour - Means work that is physical, including, but not limited to construction, installation, assembly and building work. You will not be covered for work that involves installing, putting together, maintaining, repairing or using heavy electrical, mechanical or hydraulic machinery. This does not include musicians and singers.

NORTHCOTT GLOBAL SOLUTIONS LTD (NGS)- Our appointed emergency assistance company.

Pair or Set of Articles – Means any item/items that are dependent on another item/items to function properly.

Partner - Someone to whom You are engaged, married, have a civil Partnership with or have lived with as a common law husband or wife for at least 3 months. This includes same sex Partnerships. Your Partner must normally permanently reside at the same address.

Permanent Total Disablement - Means permanent and total disablement from engaging in or attending to any kind of profession or occupation.

Pre Existing Medical Conditions and linked conditions– Means an illness, injury, condition, symptoms or disease that You have had medical advice for or treatment for or that that You are aware of or that has been diagnosed or is awaiting diagnosis. This includes but is not limited to any of the following having occurred in the last two years:

a) Osteoporosis or any arthritic condition; b) Breathing conditions including but not limited to, Emphysema, Asthma, or Chronic

Obstructive Pulmonary Disease (COPD); c) Any psychiatric or psychological condition (including, but not limited to anxiety or

depression); d) Any heart-related, blood circulatory or diabetic condition; e) Any neurological condition (including, but not limited to Stroke, Brain Haemorrhage

or Epilepsy): f) Any bowel condition including, but not limited to Irritable Bowel Syndrome (IBS) or

Crohn’s disease; Furthermore,

g) Any treatment or hospital tests for cancer in the last five years; h) Any condition that has been referred to a hospital doctor or surgeon or needed

inpatient treatment in hospital in the last 12 months.

For your information, examples of conditions that can be linked to any pre-existing medical condition include, but are not limited to:

a) Someone who has or has had cancer who suffers with a secondary cancer; b) Someone with breathing difficulties who then suffers a chest infection of any kind; c) Someone with high blood pressure or diabetes who then has a heart attack, stroke

or mini-stroke; d) Someone with osteoporosis who then suffers with a broken or fractured bone

Public Transport - Means Scheduled rail, bus, airline services and ferries.

Schedule – A document issued by Us as formal confirmation of the coverage that You have purchased.

Single article – Means any item/items that are not dependent on another item/items to function properly.

Ski Equipment - Means skis, snowboards, boots, thermal clothing, helmet, mask or goggles, bindings and ski sticks.

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Travel Period – Means the period of time that You are travelling and commences from the time that You leave Your normal place of residence or business until You return. A Travel Period must be of at least 48 hours in length but must not exceed the maximum trip length or coverage dates stated on the Schedule.

‘UK’ or ‘United Kingdom’ - These terms apply only if the Insured permanently resides in the United Kingdom. However if You do not permanently reside in the United Kingdom then the terms ‘UK’ or ‘United Kingdom’ shall be replaced by the country where You are domiciled.

Unattended - an article will be deemed to be Unattended if it is not close enough and within the sight of the Insured Person to prevent unauthorised interference.

Underwriters - Means Ironshore Europe Designated Activity Company.

Valuables - Means cameras, photographic equipment, underwater photographic and video equipment(including underwater housings/accessories), camcorders, video equipment, satellite navigation equipment, television equipment, radios, cassette players, CD players, IPods, MP3 players, audio equipment, laptops, notebooks, tablet computers, IPads, Mac or Web books, eBooks, eReaders Including Kindles, personal computers, computer equipment/accessories, hard drives, flash drives, computer/video games machines, binoculars, telescopes, antiques, jewellery, watches, fur, precious or semi-precious stones, articles made of or containing gold, silver or other precious metals, films, tapes, cassettes, cartridges, discs or DVDs, Blue ray, or Compact discs, mobile telephones, smart phones satellite phones or other communication devices and their accessories, spectacles, sunglasses.

We/Us/Insurers - Means Dive Master Insurance Consultants Ltd and Ironshore Europe Designated Activity Company.

Winter Sports – Skiing & snowboarding (including off-piste within local ski patrol guidelines), glacier skiing, cross-country skiing, ice skating, sledging, tobogganing, sleigh riding and curling.

ACTIVITIES AND SPORTS THAT ARE COVERED BY YOUR POLICY You will automatically be covered to participate in the following activities and sports at Your holiday resort continuously for an unlimited period of time during the Travel Period: ● Amateur athletics ● Angling ● Archaeological digging ● Archery ● Badminton ● Ballooning (organised pleasure rides only) ● Baseball ● Basketball ● Billiards ● Bowls ● Bridge walking (when supervised by a fully trained guide) ● Camping ● Canoeing ● Catamaran sailing ● Climbing (on a climbing wall only) ● Cricket ● Croquet ● Cross-country skiing ● Curling ● Cycling ● Dancing ● Deep sea fishing ● Dinghy sailing ● Dry slope skiing ● Falconry ● Fell walking ● Fencing ● Fishing ● Football ● Glacier Skiing (under 3,000 metres altitude unless otherwise agreed) ● Glacier walking or trekking (under 3,000 metres altitude unless otherwise agreed) ● Go-Karting (within organisers guidelines) ● Golf ● Gymnastics ● Handball ● Hiking (under 3,000 metres altitude unless otherwise agreed) ● Hockey ● Ice skating ● Jogging ● Kayaking ● Kite surfing (over water) ● Korfball ● Keep Fit ● Motorcycling (up to 125cc) ● Mountain biking (excluding downhill racing and extreme terrain) ● Multi activity courses ● Netball ● Off-piste skiing and snowboarding (within local ski patrol guidelines) ● Orienteering ● Passenger in private or small aircraft or helicopter ● Petanque ● Pony trekking ● Pool ● Power lifting ● Quoits ● Racket ball ● Rafting ● Rambling ● Roller Hockey ● Roller skating/blading ● Rounders ● Rowing (excluding racing) ● Running (sprint and long distance) ● Safari (with an organised tour) ● Sail boarding ● Sailing (inland and coastal waters only) ● Sand and land boarding ● *Scuba Diving and Free Diving ● Skateboarding ● Skiing (including off-piste) ● Sledging and sleigh riding ● Snooker ● Snorkelling ● Snowboarding (including off-piste) ● Softball ● Squash ● Surfing ● Swimming (recreational and coastal)● Table tennis ● Target rifle shooting ● Tennis ● Tenpin bowling ● Tobogganing ● Trekking (under 3,000

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metres altitude unless otherwise agreed) ● Ultimate ● Volleyball ● Wake boarding ● Water polo ● Waterskiing ● Weightlifting ● Windsurfing ● Yoga *Please note that Scuba Diving and Free Diving are covered by this policy, but are Excluded under SECTION C – PERSONAL ACCIDENT & SECTION E – MEDICAL & EMERGENCY EXPENSES as these risks are covered by the Dive Master IDEC Diver Accident Insurance Policy. You must therefore ensure that all divers purchase IDEC insurance to specifically cover any diving related injuries or illnesses. If You intend to participate in an activity that is not included in this list then please review the Adventure Sports Holiday Cover that We can offer for an additional premium.

BEFORE YOU TRAVEL Check that Your passport(s) is still valid and in date, and that You comply with passport and travel visa requirements or other documentation that will be required on arriving at Your destination. Check that this Insurance Policy will cover the entire length of Your trip. Check weather and travel conditions that may affect Your journey to the departure airport or port, and make provision for this in Your journey time. Check with Your Travel provider that You have allocated sufficient time in order to catch any connecting flights and transfers. Check with Your Travel provider that Your travel destination is considered to be safe* *Although this policy does provide worldwide coverage, please check the Foreign and Commonwealth Office (FCO) travel advice and also check with the Tour Operator and travel provider as the FCO advice may conflict with the Tour Operator and Travel Provider. Please see the notes entitled Territorial Limits under the IMPORTANT NOTES ABOUT YOUR POLICY section of this wording. Provide a copy of Your insurance Schedule(s), contact details and a travel itinerary to any family or friends who will not be travelling with You.

PERIOD OF INSURANCE SECTION F – CANCELLATION AND CURTAILAMENT - cancellation cover commences from the date that the Schedule is issued as shown on Your policy Schedule or the date of booking each trip (whichever is later) and ends at the beginning of each trip or on the end date of the policy (whichever is sooner) or running into subsequent periods of insurance specifically declared and agreed by Underwriters. All other sections shall commence at the time of leaving Your normal place of residence or business, and shall terminate on return thereto on completion of the journey or holiday. This insurance is only valid for trips in Excess of 48 hours, but not exceeding the maximum trip limit or the coverage dates as specified on the Schedule. The policy can only be extended with written agreement. The maximum number of days that You may travel continuously for under this Insurance Policy is 60 days for each and every Travel Period, unless extended by written agreement. We will only cover trips booked during a period of insurance and continuing into the next period of insurance if Your policy has been renewed. Cancellation is only covered in the period of insurance and for subsequent periods of insurance specifically declared and agreed by Underwriters and which are still in force at the time of the incident resulting in a claim.

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EXTENSION OF THE PERIOD OF INSURANCE If Your homeward journey cannot be completed before the expiry of the period of insurance this policy shall remain in force without additional premium as follows:

Up to 14 days in the event of delay to any vehicle vessel or aircraft in which You are travelling as a ticket holding passenger.

Up to 30 days if the intended return journey is prevented due to Your Bodily Injury or illness. In this event We will continue to pay medical treatment under SECTION E – MEDICAL AND EMERGENCY EXPENSES (up to the sum Insured provided by the policy) for this period or such extension of period as is medically certified as being necessary.

CANCELLATION Insurers give You a Cooling Off Period of 14 days from the time You receive the policy. If the policy and Schedule does not provide You with the protection that You want and You do not want to continue with the insurance You may cancel the policy within this period and obtain a full refund, provided that the period of insurance has not commenced. Cancellations made after the Cooling off Period has ended and after the policy has commenced will be calculated at pro rata, and provided that no claims have been made or are pending. Only policies with periods of insurance in Excess of 31 days can be cancelled after the Cooling Off period. The Underwriters hold the right to cancel this Insurance at any time within the Period of Insurance by giving written notice. It is agreed that the Insurer shall not give less than fifteen (15) days prior notice of cancellation to the Insured. This Insurance will then be cancelled on the basis of a pro-rata refund provided there is no claim paid or outstanding, in which case no refund will be offered.

SUBROGATION & NON CONTRIBUTION CLAUSE The underwriting Company has the right to recover against any other valid Insurance Policy or Source which could be called into contribution. Where another policy covering the same claim is in force this policy shall apply only in Excess of any amount paid under such other insurance. This policy will not contribute to any claims that would or have been declined under the terms of this policy or any endorsements, conditions or exclusions issued to the Insured with this policy.

SECTION A – BAGGAGE & DIVE EQUIPMENT You are covered for: The irretrievable loss, destruction, damage or theft to personal belongings, Valuables, Dive Equipment and Ski Equipment, trunks, suitcases and containers that occurs during Your Travel Period. In addition if Your Baggage is temporarily lost in transit on the outward journey to Your intended destination and not restored to You within 12 hours after arrival, You are also covered for the purchase of Emergency Essential Replacement items and for the hire of Diving Equipment or Ski Equipment until Your Baggage is restored to You. Limit of Amounts Payable In the event of irretrievable loss, destruction, damage or theft to Baggage then the total amount payable overall in respect of each Insured is £3,000, although the maximum sum Insured is £400 in respect of any Single Article, Pair or Set of Articles including Dive Equipment, Ski Equipment or Valuables.

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If the Baggage is temporarily lost in transit on the outward journey then the undernoted maximum sums Insured shall apply to each Insured: £150 overall in respect of Emergency Essential Replacement items per Insured £500 overall for the hire of Dive Equipment or Ski Equipment per Insured, or up to a maximum of £150 towards purchasing replacement items of Dive Equipment or Ski Equipment if it is not possible to hire the equipment at Your destination You are NOT covered for Loss, destruction, damage or theft to:

1. Contact lenses, dentures, hearing aids, pedal cycles, wheel chairs (unless specifically agreed), vehicles of any kind and their accessories including car keys or key fobs, boats of any kind and their accessories, antiques, musical instruments, pictures, glass, china, camping equipment, samples of merchandise, bonds, coupons, securities or documents of any kind, fragile and brittle articles, household goods, consumables of any description or anything shipped as freight or under a bill of lading.

2. Valuables within a suitcase, or in Luggage that has been ‘checked in’ with the carrier 3. Sports equipment whilst in use (other than Dive Equipment or Ski Equipment) 4. Cleaning, repairing or restoring of any item of Baggage or Valuables. 5. Shortages due to error, omission or depreciation in value. Please note that depreciation is

applied at a rate of 10% for each year after the first year that You purchased the claimed item(s), but up to a maximum of 40% for each item claimed. For example if an item that You are claiming for was bought for £100.00 5 full years prior to the loss occurring, then the maximum that may be paid in respect of this item is £60.00.

6. Baggage or Valuables carried for trade or commercial purposes. 7. Baggage as a result of confiscation or detention by Customs, other officials or authorities 8. Items that have been hired, loaned or entrusted to You. 9. Items of Baggage, Valuables, Dive Equipment and Ski Equipment that are left Unattended

in a public place or a place in which members of the general public have access to. 10. Any item of Valuables that has been left in Your holiday accommodation, unless stored in a

securely locked safety deposit box or locked and secured hotel storeroom 11. Items of Baggage, Dive Equipment or Ski Equipment that have been left Unattended in Your

locked and secured holiday accommodation or cabin if You are on a live aboard, unless there is evidence of a forced and violent entry into or exit from Your accommodation or cabin.

12. Items of Baggage, Valuables, Dive Equipment and Ski Equipment that are left Unattended in a vehicle unless there is physical evidence of a forcible and violent entry into or exit from the vehicle, and that the items were stored in the locked and secured glove compartment, boot or Luggage space of that vehicle and kept out of sight at all times

13. Items of Baggage, Valuables, Dive Equipment and Ski Equipment that are stolen from an Unattended vehicle between the hours of 9pm and 7am local time.

Further this policy does NOT cover:

14. Loss or theft of Baggage, Valuables, Dive Equipment and Ski Equipment that is not reported to the police within 48 hours of discovery, and a Police Report obtained which shall be produced as evidence to accompany Your claim

15. Electrical or mechanical fault of an item of Dive Equipment or Valuables 16. The first £50 of each and every claim for Baggage or Dive Equipment and the first £50 for

Valuables per Insured person, except in respect of temporary loss of Baggage on the outward journey where no Excess will apply

17. Theft of Baggage, Valuables, Dive Equipment and Ski Equipment from Your person without force or the threat or risk of violence

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18. Any Item You cannot prove You owned and prove the value of (for example, with original receipts) for Baggage, Valuables, Diving Equipment and Skiing Equipment

19. Loss, Destruction or Damage to Items of Baggage, Valuables, Dive Equipment or Ski Equipment while they are not in Your control or that have been left in the custody of another person, other than those named under this policy.

20. Anything that is excluded in the GENERAL EXCLUSIONS. Claims Evidence for SECTION A - BAGGAGE AND DIVE EQUIPMENT We will require (at Your own expense) the following evidence where relevant

A police report from the local police, within 48 hours of the incident occurring, in the country where the incident occurred for a loss, theft or attempted theft.

A Property irregularity report from the airline or a letter from the carrier where loss, theft or damage occurred in their custody

A letter from Your tour operator’s representative, hotel or accommodation provider where appropriate

If an item of dive or camera equipment is lost while on a dive or on-board a liveaboard then We will require written confirmation from them that You reported the loss to Your dive instructor or dive boat skipper.

All travel tickets and tags

Receipts proving ownership and value for items lost, stolen or damaged and for all items of clothing, medication, toiletries replaced if Your Baggage is temporarily lost on Your outward journey

Proof of any hire charges if it is necessary for You to hire Dive Equipment or Ski Equipment because Your Baggage was delayed on the outward journey

A letter from the carrier confirming the number of hours Your Baggage was delayed for.

Repair report where applicable

Any other relevant information that We may ask for

SECTION B - PERSONAL MONEY You are covered for: Loss or theft of cash and traveller’s cheques belonging or entrusted to You, whilst being carried on Your person or left in a locked safety deposit box. Any loss or theft must be reported to the local Police within 48 hours of discovery, and a Police report obtained to support Your claim. Limit of Amount Payable The total amount payable in respect of cash, bank notes and traveller’s cheques combined for each Insured is £500 The maximum sum payable for each Insured for cash or bank notes is £250 You are NOT covered for:

1. Loss of money left Unattended at any time unless kept in a securely locked safety deposit box

2. Losses not reported to the Police within 48 hours of discovery and a Police report obtained which shall be produced as evidence to accompany any claim

3. Money left Unattended in any type of vehicle or in Luggage that has been ‘checked in’ with a Carrier

4. The first £50 of each and every claim per Insured person 5. Anything that is excluded in the GENERAL EXCLUSIONS

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SECTION C - PERSONAL ACCIDENT You are covered for: A Bodily Injury suffered by You during the Travel Period that is caused by an accident resulting solely and independently of other causes in death or disablement. This is subject to the following:

Death or disablement occurring within one year of the injury being sustained.

Benefits not being payable under more than one section and any such payment shall end this section of the policy in respect of the Insured concerned.

The injury being sustained during the period of insurance and is the sole cause of Your consequential death or disablement.

Maximum aggregate payable under this section of £25,000 The benefits shown below will be paid to You or Your legal representative.

Benefit for an adult of at least 18 years of age

Benefit for a Child of up to the age of 17 years of age

1. Death £10,000 £1,000

2. Loss of one limb or sight in one eye/or hearing in one ear

£10,000 £2,500

3. Loss of two limbs, sight in both eyes, hearing in both ears or one

of each £25,000 £5,000

4. Permanent Total Disablement after 104 weeks except when

compensation is paid under Item 2

£25,000 £5,000

You are NOT covered for:

1. Diving accidents or injuries (these risks are covered under IDEC Diver Accident Insurance) 2. Any medical condition that You were aware of or an injury which existed or was incurred

prior to the commencement of the trip. 3. Disease or Illness 4. Pregnancy 5. Any claim that is not reported to Us within 12 months of the injury first occurring 6. Any claims arising directly or indirectly from any injury, illness, death attributable to Scuba

Diving or Free Diving 7. Anything that is excluded in the GENERAL EXCLUSIONS

SECTION D - PERSONAL LIABILITY IMPORTANT: This is not a specialist diving liability policy, it does not include coverage for dive instruction, supervision and advice, nor does it include coverage for criminal defence costs. If You require such benefits please consider purchasing our Sport Diver or Pro Diver liability products. You are covered for: All sums which You become personally legally liable to pay for accidents which result in:

Death or Bodily Injury of any person other than Your employees, Family, Friends or Partner.

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Loss of/or damage to Property which does not belong to You or that is not in the charge or under the control of You or a member of Your family, household or a person in Your employment occurring during the period of insurance.

Limit of Amount Payable The total amount payable for all claims made against You arising from any one occurrence is £2,000,000. We will also pay any extra costs and expenses awarded against You or incurred by You with our written consent. You are NOT covered for Liability arising from:

1. Any legal responsibility that comes from an injury or loss or damage to Property that: a. You, a member of Your family, Your Partner, household or a person You employ

owns; or b. You, a member of Your family, Your Partner, household or a person You employ,

cares for or controls 2. Any legal responsibility, injury, loss or damage:

a. to members of Your family, Your Partner, household, or a person You employ; b. that results from a contract You have entered into; c. that results from You owning, using or living on any land or in buildings (except

temporarily for the trip); or d. that results from You infecting any other person with any sexually transmitted

disease or condition 3. Your trade, business or profession. 4. Scuba Diving supervision and training or any other supervision and training relating to

recreational sports and activities. 5. The ownership, possession or occupation of any land or building (other than holiday

accommodation that You are temporarily occupying, in which case the first £100 of each and every claim is excluded).

6. The ownership, possession or use of animals, mechanically propelled vehicles (other than pedal cycles, perambulators or Children’s toys), firearms, weapons, gas powered weapons (including paintball), air rifles, vessels (other than manually propelled water craft) jet skis, personal water craft, fly boards, mini boats, or aircraft of any description

7. Trips: a. Within the UK that are not pre-booked and pre-planned and including at least five

nights’ accommodation b. Trips outside the UK, Isle of Man, Channel Islands or Northern Island, unless the trip

was pre-booked and in Excess of 48 hours in duration 8. Any claim where there is a breach of Your certifying association standards and

recommendations 9. Any claims covered by a more specific liability policy or group dive club or association

liability insurance. 10. Any liability arising from activities listed in the ADVENTURE SPORTS AND DIVE

PROFESSIONAL DEVELOPMENT COVER additional policy option. 11. Anything that is excluded in the GENERAL EXCLUSIONS

Furthermore this policy does not cover criminal defence costs. Special conditions which apply to Section D Under this policy You must:

1. Give Insurers notice of any cause for a legal claim against You as soon as You know about it, and send them any other documents relating to any claim;

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2. Help Insurers and give them all the information they need to allow them to take action on Your behalf;

3. Not negotiate, pay, settle, admit or deny any claim unless You get Insurers permission in writing; and be aware that We will have full control over any legal representatives and any proceedings. We will be entitled to take over and carry out any claim in Your name for Your defence or prosecute for our own benefit.

SECTION E - MEDICAL & EMERGENCY EXPENSES You are covered for: We will pay You up to £2,000,000.00 for the following expenses which are necessary and reasonable if You suffer an unforeseen Bodily Injury, illness or death while You are travelling outside of the United Kingdom during the period of insurance

1. Emergency Medical, Surgical, Hospital and Ambulance charges incurred outside of the United Kingdom.

2. Emergency dental treatment for the immediate relief of pain only, this is limited to £2,000.00

3. Reasonable additional transport and / or accommodation expenses incurred, up to the standard of Your original booking (for example full or half board, all inclusive, bed and breakfast, self-catering, or room only), if it is medically necessary for You to stay beyond Your scheduled return date. This includes, with the prior authorisation of Dive Master Insurance, reasonable additional transportation and/or accommodation expenses for a travelling companion, friend or Close Relative if deemed medically necessary by a medical practitioner, to stay with You or travel to You from the United Kingdom or escort You, and additional travel expenses to return You to Your domiciled address if You cannot use Your return ticket.

4. In the event of Your death: a. We will pay reasonable costs for the return of Your body or ashes to Your Home

Address or up to £5,000 for the cost of a funeral in the country where You die if this is outside the United Kingdom

b. We will pay up to £2,000 for the cost of returning Your body or ashes to Your Home Address if You die while in the United Kingdom

5. Up to £20,000 for search and rescue costs that are charged to You by a government or regulated authority for finding You while doing an Insured activity.

Special conditions relating to SECTION E – MEDICAL & EMERGENCY EXPENSES

If You are admitted to hospital abroad, and it is likely You will be admitted for more than 24 hours then You, or someone on Your behalf, must contact our appointed emergency assistance company as soon as possible. If You do not do this then the level of cover We are able to offer will be limited to £5,000.00

If You receive medical treatment abroad as an outpatient or inpatient and You pay the hospital or clinic, a claim should be submitted to Dive Master Insurance through our website. If the initial medical estimate for inpatient or outpatient treatment is likely to exceed £500, You must contact our appointed emergency assistance company without delay.

We reserve the right to move You from one hospital to another You are NOT covered for:

1. The first £50.00 of each and every claim per Insured person 2. Any sums which can be recovered by You or which are covered under any National

Insurance Scheme or Reciprocal Health agreement.

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3. Any medical condition for which at the time of effecting this insurance You: a. Are already receiving medical treatment or You are on a waiting list to receive

medical treatment, or awaiting diagnosis, unless the condition has been specifically disclosed to Insurers and We have subsequently agreed coverage in writing to You.

b. Have received a terminal prognosis c. Are intending to travel against the advice of a qualified medical practitioner

4. Any claims arising directly or indirectly from any injury, illness or death attributable to scuba diving, this is covered by Your separate IDEC policy.

5. Any expenses which are not usual, reasonable or customary to treat Your Bodily Injury, illness or disease.

6. Any costs for cosmetic surgery or body art (e.g. tattoos or piercings) and any subsequent medical treatment required as a result of such treatment.

7. Any treatment or services provided by a private clinic or hospital, or any additional hospital costs for or arising from single or private room accommodation unless the appointed emergency assistance company have given prior approval and it is medically necessary.

8. Treatment or services provided by a private clinic or hospital, health spa, convalescent home or any rehabilitation; unless We have agreed that is medically necessary

9. Any costs incurred in obtaining or replacing medication, which You know You will need at the time of departure or which will have to be continued during the Travel Period.

10. Any costs for phone calls other than those to the appointed emergency assistance company 11. Any treatment which can reasonably be delayed until You return to Your home country. 12. Any costs incurred after You have refused the offer of returning home, when, in the opinion

of our medical advisors You are fit to travel. 13. Any treatment or medication that You receive after You have returned to Your country of

residence. 14. Death, injury, illness or disablement resulting from or arising in connection with pregnancy

or Childbirth where the expected date of birth is before the expiry of the Travel Period or up to 12 weeks after the expiry of the Travel Period.

15. Any costs for non-emergency medical expenses when in our medical advisors opinion the Insured is fit to return to the country where they are legally domiciled.

16. Anything that is excluded in the GENERAL EXCLUSIONS. Neither NORTHCOTT GLOBAL SOLUTIONS LTD (NGS) nor Insurers are responsible for the availability, quantity, quality or the results of any medical treatment provided, or for the failure of the Insured to seek medical services. Claims Evidence. We will require (at Your own expense) receipts or invoices for all inpatient / outpatient treatment or emergency dental treatment. In the event of death the original death certificate, bills or invoices for funeral or cremation. Receipts or bills for taxi fares to or from the hospital claimed for (showing Your name, date, the amount paid and destination). Receipts or invoices for any other accommodation, transport or other costs, charges and expenses claimed for under this section of the policy. Any other relevant information that We may ask You for.

SECTION F - CANCELLATION & CURTAILMENT You are covered for: Cancellation prior to departure: Refund of non-recoverable deposits and other charges that are pre-paid or contractually incurred in advance for travel, leisure activities and accommodation in respect of Your own journey or holiday in the event of unavoidable cancellation of the journey or holiday.

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This policy only covers cancellation for holidays that occur within the policy dates of coverage.

Coverage under this section commences from the date the Schedule is issued or Your trip is booked (whichever is later) and ends at the beginning of each trip or at the end of the policy (whichever is sooner).

It is important that should You book a holiday commencing outside the policy dates that You immediately arrange a policy that covers the dates of that holiday.

If You book a holiday outside Your existing policy dates and this is before You have received a renewal invitation simply purchase a new policy covering the dates of the new trip online. Please note We can provide a policy start date up to 18 months in advance.

Curtailment after departure: A proportionate refund of any pre-paid charges and a full refund of any additional return travel if You are unable to use Your return ticket due to the Curtailment of Your journey or holiday. We will also pay up to the benefit stated if as a result of failure of Your own pre-booked travel itinerary or failure of Scheduled Public Transport within Your itinerary, You fail to reach Your final pre-booked destination. For partial delay of over 24 hours in reaching Your final pre-booked destination as a result of failure of Your own pre-booked travel itinerary We will pay up to the Curtailment benefit on a pro rata basis for days lost at Your final destination. However it is a condition of claiming under this section that You must have pre-booked Your travel arrangements and Your stay at Your final destination prior to Your travel commencing. You must provide Us with evidence of the failure of Your travel itinerary and an absence of any other reasonable alternative travel arrangements being available and the consequent financial loss thereof. If You need to return to the UK before Your due date to do so, and intend to make a claim under this section, You must phone our assistance company NORTHCOTT GLOBAL SOLUTIONS LTD (NGS) as soon as is possible on +44 (0)207 183 8910 quoting our reference “NGSDIVE002” and Your policy number. All Claims resulting from injury, illness, quarantine or death must be supported by medical reports or a death certificate (or both) indicating the necessity to curtail Your trip. CLOSE RELATIVES OR BUSINESS ASSOCIATES WHOSE HEALTH MAY AFFECT THE TRIP If at the time of taking out this insurance, or booking the trip if this was later, You are aware that Your travel may be cancelled or curtailed because of deteriorating health of a Close Relative or business associate for which he or she

was receiving treatment at a hospital, other than routine hospital check-ups for a stable condition, at regular intervals, which have been arranged beforehand.

was awaiting a hospital consultation or treatment, other than routine check-ups for a stable condition, at regular intervals, which have been arranged beforehand.

had been given a terminal prognosis, or have been told that their condition is likely to deteriorate in the next 12 months.

We will not pay any claim You or any Insured person makes in relation to/or arising from the medical condition of the Close Relative or business associate, unless it has been declared to Us and specifically agreed by underwriters. Limit of Amount Payable The total amount payable in respect of each Insured is £5,000 Coverage under this section is only as a result of any of the following occurring after the date of effecting this insurance, or booking Your trip which must be covered by contracted booking conditions (whichever is later)

1. Cancellation as a result of accidental Bodily Injury or illness that renders You as unfit to travel, ski or dive prior to travel

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2. Curtailment that is medically necessary as a result of Bodily Injury or serious illness to You, Your Partner or any person that You had arranged to travel with.

3. Cancellation or Curtailment as a result of the quarantine by a physician, or death of any person named on this Schedule.

4. The Death, Bodily Injury, serious illness or compulsory quarantine of: - a. Your Partner or any Close Relative who travel depends on. b. Any person whom You have arranged to travel with, reside with or conduct business

with during the trip. 5. You or any person with whom You have arranged to travel with are summoned for Jury

Service or called as a witness in a Court of Law during the Travel Period. 6. Cancellation of leave for British Forces provided that such cancellation or Curtailment could

not reasonably have been expected at the time of applying for insurance. 7. You or Your Partner are made unemployed and certified as such by the Department of

Employment. 8. Your home becomes uninhabitable or Your place of business becomes inoperable or

unusable up to 14 days prior to the commencement of Your trip, due to fire, lightning, explosion, subsidence, storm, falling trees, malicious damage, burst pipes or impact damage.

9. Your presence is required by the Police following a burglary or attempted burglary at Your home or place of business.

10. We do not consider normal pregnancy or Childbirth to be an injury or illness that renders You as unfit to travel; We will only pay a claim due to pregnancy or Childbirth under this section of the policy if a qualified medical practitioner confirms that the claim comes from the complications of a pregnancy or Childbirth.

NOTE: If You are claiming Cancellation due to being diagnosed as unfit to travel, dive or ski prior to Your date of travel, We have the right to refer You to a doctor or medical referee for an expert opinion. In the event that You do not travel and Your holiday booking is resold, We will only be liable for the difference. In the event that You discover You are pregnant prior to diving while travelling then We will only be liable for the loss of activity days under SECTION L – LOSS OF ACTIVITY DAYS of this policy You are NOT covered for:

1. Any medical condition of any Insured for which at the time of effecting the insurance or booking Your trip (whichever is later) that the Insured:

a. is already receiving medical treatment or is on a waiting list to receive medical treatment unless the condition has been disclosed to Insurers and coverage has been subsequently agreed in writing

b. has received a terminal prognosis c. is intending to travel against the advice of a qualified medical practitioner

2. Any medical condition that is not supported by a qualified medical practitioner’s Medical Certificate

3. The first £50 of each and every claim per person (except for loss of deposit claims where the Excess will be the first £10 per Insured person)

4. Failure of transport that is not pre-booked or the failure of Scheduled Public Transport in delays of less than 24 hours duration

5. Cancellations that are not validated with a cancellation invoice from a recognised and bonded tour operator ATOL protected and regulated, airline, transport, accommodation, or other at resort holiday service provider (for example a dive centre at Your destination or airport car parking company)

6. Cancellations directly or indirectly caused by civil unrest including riots, organised protests, arson and looting. Volcanic Eruptions, Ash Clouds, Earthquakes, Landslides, Floods,

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Tsunamis, atypical cyclonic storms or any other extraordinary natural phenomenon, unless the additional TRAVEL DISRUPTION add on is purchased. If You require cover for these contingencies for an independently booked trip, You will also need to buy the INDEPENDENT ITINERARY FAILURE option add on in addition to the TRAVEL DISRUPTION add on.

7. Any claim arising from pregnancy or Childbirth, unless a qualified medical practitioner confirms in writing that the claim is due to the Complications of pregnancy or Childbirth

8. Any Claim for refund of any costs for persons not named on the policy Schedule 9. Any Claim as a result of any serious, chronic or recurring illness, injury or disease affecting

any person whose good heath Your trip depends on that You were aware of when You took out Your policy or booked Your trip (whichever is later)

10. Any claim made because You did not feel like travelling 11. Accommodation costs paid for using any timeshare, annual membership or maintenance

fees, holiday Property bond, or other holiday points schemes. 12. Any Claim for the loss of any air miles, cruise miles or holiday points You used to pay for the

holiday in part or full. 13. Any claim for the Curtailment of Your trip which was not authorised by our assistance

company NORTHCOTT GLOBAL SOLUTIONS LTD (NGS) or Insurers before You returned home.

14. Claims that are recoverable from a common carrier or private transport provider, hotel or other accommodation provider, activity or adventure sports provider.

15. Claims where You have been offered or accepted an alternative or other means of compensation.

16. Claims for the difference between the value of alternative or other means of compensation You have accepted

17. Claims not supported by receipts and/or evidence of payment and rejection by the common carrier or private transport provider, hotel or other accommodation provider, activity or adventure sports provider.

18. Claims covered by a Tour Operator’s statutory obligation to provide You with compensation. 19. Claims covered by a Carrier’s statutory obligation to provide You with compensation. 20. Claims covered by ABTA, ATOL, Credits Card schemes or other similar financial guarantee

system. 21. Claims as a result of Your trip being cancelled or curtailed on the instruction of Your

employer. 22. Cancellation claims as a result of booking conditions that breach the UK “Unfair Contract

Terms Act 1977” or equivalent legislation (for example if Your booking terms and conditions allow You to re-book for a future date)

23. Claims for the cost/s for pre booked recreational developmental diving courses, unless the “ADVENTURE SPORTS AND DIVE PROFESSIONAL DEVELOPMENT COVER” option has been selected and the appropriate additional premium has been paid.

24. Any claims under SECTION F – CANCELLATION AND CURTAILMENT that result directly or indirectly from any medical condition You knew about at the time of taking out this insurance, or booking Your trip whichever is later, and that affects:

a. A Close Relative who is not travelling and is not named on this policy b. Someone travelling with You who is not named on this policy c. A business associate; or d. A person You plan to stay with on Your trip

Subject to the terms and conditions, such claims may only be covered if the patient’s Doctor is prepared to state that at the date of purchasing this policy, or the date of booking Your trip whichever was later, he/she would have seen no substantial likelihood of his / her patients condition deteriorating to such a degree that You would need to cancel Your trip. If the Doctor will not confirm

DMPTUK010717 22

this, Your claim is not covered. In the event of a claim the Doctor must complete the relevant medical certificate on the claim form.

25. Any costs incurred for trips booked after You suffer a Bodily Injury or illness where You are not fit to travel at the time of booking the trip.

26. Claims as a result of failing to cancel Your holiday at the time of Your Bodily Injury or illness occurring costs which would have been recoverable under the booking conditions had You informed the tour operator at the time of the Bodily Injury.

27. Acts of Terrorism 28. Anything that is excluded in the GENERAL EXCLUSIONS

Please note If You have made a holiday booking through an intermediary then it is Your responsibility to ensure that the booking has been cancelled with the recognised and bonded ATOL protected and regulated Tour Operator or the at resort service provider. We will not settle Your claim if Your original bookings are not cancelled with the recognised and bonded, ATOL protected and regulated Tour Operator and/or the at resort service provider(s), and the intermediary or agent instead resells Your booking. In this instance the intermediary or agent should refund any deposits and charges that they have received from You. We only accept cancellation invoices from a recognised and bonded ATOL protected and regulated Tour Operator, transport, accommodation or other at resort holiday service provider. We do not accept cancellation invoices from private individuals, group leaders or clubs or dive centres/schools/clubs that have organised Your travel and diving arrangements.

SECTION G - DELAYED DEPARTURE You are covered for: The delay in departure of the ship, aircraft, train, bus or coach in which You are booked to travel, subject to a maximum payment of £150 in all per Insured person. Further if after 24 hours delayed departure of the outward journey You choose to cancel the holiday We will pay for non-recoverable deposits and other pre-paid holiday charges up to a maximum of £5,000. The period of delay will be calculated from the date and time of the Scheduled departure of ship, aircraft, train, bus or coach specified in Your travel itinerary. You must arrive and check-in according to such itinerary and obtain written confirmation from the Carrier or their handling agents stating the actual date and time of departure and the reason for the delay. Limit of Amount Payable The total amount payable in respect of delay for each Insured person is £150 and We will pay the sum of £20 for the first full 12 hours of delay in departure, followed by £10 for each subsequent full 12 hours of delay. In respect of abandonment on the outward journey £5,000 is the total amount payable in respect of each Insured person. You are NOT covered for:

1. Delay caused by strike or industrial action existing or notified by declaration of intent on or prior to the date this insurance is effected

2. A claim made for both delay in departure and abandonment after 24 hours full delayed departure for the same occurrence

3. Any claims made under both SECTION G - DELAYED DEPARTURE & SECTION H - MISSED DEPARTURE for the same occurrence

4. The first £50 of each and every claim per Insured person only in the case of abandonment after a full 24 hours delayed departure

5. Delay if You do not check-in for the sea crossing, flight, train, bus or coach departure before the stated check-in time

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6. Delay if You do not obtain written confirmation from the shipping company, airline, train, bus or coach company stating the period and reason for the delay

7. Delay directly or indirectly caused by civil unrest including riots, organised protests, arson and looting. Volcanic Eruptions, Ash Clouds, Earthquakes, Landslides, Floods, Tsunamis, atypical cyclonic storms or any other extraordinary natural phenomenon, unless the additional Travel Disruption add on is purchased.

8. Anything that is excluded in the GENERAL EXCLUSIONS

SECTION H - MISSED DEPARTURE You are covered for: Additional accommodation and travel expenses up to a maximum of £1,000 for each Insured person, necessarily incurred in reaching Your overseas destination or returning home if:

The vehicle You are travelling in breaks down, is involved in an accident or is delayed due to road closure, or heavy congestion as the result of an incident that You were unaware of prior to the outset of Your journey, resulting in You arriving too late to commence Your booked journey from or to the United Kingdom.

The Public Transport is delayed resulting in You arriving too late to commence Your pre-booked journey from or to the United Kingdom.

A connection to Your point of departure is delayed or cancelled, then there will only be coverage under this section if Your inbound Scheduled arrival time is at least one hour before Your advised check-in time for the outbound journey with the carrier or the agent.

Despite possessing a valid claim for Cancellation under SECTION F CANCELLATION AND CURTAILMENT You decide to continue with Your holiday plans.

Coverage is also provided for the refund of non-recoverable deposits and other pre-paid holiday charges up to a maximum of £5,000, if as a result of the vehicle You are travelling in breaks down or is involved in an accident, or due to the failure of the Public Transport that You are travelling in You miss the departure of Your pre-booked liveaboard accommodation. You are NOT covered:

1. If You leave insufficient time to meet the check-in time specified by the transport provider or their agent

2. Unless You obtain written confirmation from the police or a recognised breakdown and recovery organisation that the vehicle You were travelling in broke down, was involved in an accident, or confirmation from an authorised motoring organisation that You were delayed due to a road closure or heavy congestion following an incident that You were unaware of prior to the outset of Your journey

3. Unless You obtain written confirmation from the Public Transport provider that the service was delayed resulting in You arriving too late to commence Your booked journey from or to the United Kingdom

4. For missing Your departure directly or indirectly caused by civil unrest including riots, organised protests, arson and looting. Volcanic Eruptions, Ash Clouds, Earthquakes, Landslides, Floods, Tsunamis, atypical cyclonic storms or any other extraordinary natural phenomenon, unless the additional Travel Disruption add on is purchased.

5. For any claims made under both SECTION G - DELAYED DEPARTURE & SECTION H - MISSED DEPARTURE for the same occurrence

6. For anything that is excluded in GENERAL EXCLUSIONS

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SECTION I - HOSPITAL INCONVENIENCE BENEFIT You are covered: If You are admitted to a hospital as an in-patient outside of the United Kingdom due to accidental Bodily Injury or illness first sustained during the Travel Period. Limit of amount payable We will pay a benefit of £20 for every 24 hours that You are hospitalised but not exceeding £1,000 in all per Insured person. You are NOT covered for:

1. Hospitalisation within the United Kingdom 2. Anything that is excluded in the GENERAL EXCLUSIONS

SECTION J - LOSS OF PASSPORT We will pay reasonable additional travel and accommodation expenses necessarily incurred abroad in obtaining a temporary replacement passport, as a result of the loss or theft of Your passport while abroad during the period of insurance. Limit of amount payable The total amount payable in respect of each Insured is £250 You are NOT covered:

1. If You do not report Your lost passport to the Police within 48 hours of discovering the loss 2. For any loss, destruction or damage arising from confiscation or detention by Customs or

other officials or authorities 3. In respect of anything that is excluded in the GENERAL EXCLUSIONS

Furthermore this policy does not cover the cost incurred in obtaining a replacement passport on returning to Your home country.

SECTION K - LEGAL EXPENSES & ADVICE You are covered for: Legal costs and expenses incurred by You in the pursuit of compensation and/or damages against a third party as a result of Your death or personal injury that occurs during the Travel Period. For any advice please telephone +44 (0) 1702 476902, but please note that complete control over the legal proceedings and the appointment and control of a solicitor shall be exercised by Dive Master Insurance Consultants Ltd or Insurers. Limit of amount payable The total amount payable in respect of each Insured person is £25,000 You are NOT covered for:

1. Costs in pursuance of any claims against a Tour Operator, Travel Agent, Insurers, Insurers Agent or Carrier

2. Any costs or legal expenses that are incurred prior to the authorisation and approval of a claim by Dive Master Insurance Consultants Ltd

3. Any claims where We consider Your prospects of success in achieving a reasonable settlement are insufficient

DMPTUK010717 25

4. Any claim not reported to Dive Master Insurance Consultants Ltd within 180 days after the event giving rise to the claim

5. Actions between members of the same family or household, or actions to enforce a judgement or legally binding decision

6. Anything that is excluded in the GENERAL EXCLUSIONS

SECTION L - LOSS OF ACTIVITY DAYS You are covered for: Being unable to participate in pre-booked and pre-paid scuba dives, Winter Sports packages, adventure sports or activities packages (if an additional premium has been paid) due to Bodily Injury or illness first occurring during the Travel Period, in which case a proportionate refund of the pre-paid charges may be claimed. The Insured must produce a Doctor’s Certificate stating the exact nature of the injury or illness, and that the Insured is unfit to take part in the pre-booked and pre-paid activity. You must produce written confirmation of the dates and the monetary amount that You paid for the pre-booked and pre-paid activity. You should also obtain written confirmation from the package provider confirming any refunds that were issued to You, and the dates that You were unable to participate due to Bodily Injury or illness. Being unable to dive during the period of travel due to a normal pregnancy up to the policy limit shown below. Limit of amount payable The total amount payable in respect of each Insured person is £500 You are NOT covered for:

1. Claims not verified by a Doctor’s certificate 2. Any injury or illness that renders the Insured unable to dive or participate in a Winter

Sports, adventure sports or activity package which was in existence prior to the pre-booked and pre-paid package

3. Any costs, expenses or charges incurred by persons not named on this policy 4. Anything that is excluded in the GENERAL EXCLUSIONS

SECTION M – ADVERSE WEATHER You are covered for: Being unable to participate in pre-booked and pre-paid scuba dives, Winter Sports packages, adventure sports or activities packages (if an additional premium has been paid) due to adverse weather conditions first occurring during the Travel Period, in which case a proportionate refund of the pre-paid charges may be claimed. You must produce written confirmation of the dates and the monetary amount that You paid for the pre-booked and pre-paid activity. You should also obtain written confirmation from the package provider confirming any refunds that were issued to You, and the dates that You were unable to participate due to adverse weather conditions. Limit of amount payable The total amount payable in respect of each Insured person is £500 You are NOT covered for:

1. Claims not verified in writing by the scuba dive, Winter Sports, adventure sports or activities package provider.

DMPTUK010717 26

2. Any adverse weather conditions that prevent You from participating in a scuba dive, Winter Sports, adventure sports or activities package which was in existence prior to the activity being booked and paid for.

3. Any costs, expenses or charges incurred by persons not named on this policy 4. Poor visibility during a scuba dive following a period of adverse weather. 5. Anything that is excluded in the GENERAL EXCLUSIONS

SECTION N – HIJACK You are covered for: Up to £50 per full 24 hours, but up to a maximum of £500 for the duration of a Hijack. Limit of amount payable The total amount payable in respect of each Insured person is £500 You are NOT covered:

1. If You or Your family or Your business connections have engaged in activities that could be expected to increase the risk of Hijack

2. Anything that is excluded in the GENERAL EXCLUSIONS

SECTION O – AVALANCHE DELAY You are covered for: Up to £150 for reasonable additional travel and accommodation expenses necessarily incurred to reach Your booked destination if, as a direct result of an avalanche, Your transfer from or to Your pre-booked resort is delayed. You are NOT covered for:

1. Anything that You are NOT covered for under SECTION H - MISSED DEPARTURE 2. Anything that is excluded in the GENERAL EXCLUSIONS

SECTION P – PISTE CLOSURE This section of the policy only operates between the dates of the 1st December and 30th April, and provides cover if there is a lack of snow at Your ski resort and it closes, which prevents You from skiing. Coverage under this section remains in place for as long as these conditions exist at resort, but not exceeding the pre-booked period of insurance of Your trip. You are covered for:

1. A benefit of £10 per day towards the costs that You have to pay to travel to another resort, up to a maximum of £300

2. A benefit of £20 per day if You are unable to ski at all as Your ski resort remains closed, and there are no other ski resorts available for You to ski at, up to a maximum of £300

You are NOT covered for:

1. Claims where You have not obtained confirmation of resort closure from the local representative

2. Claims where not all skiing facilities are totally closed 3. Claims where the lack of snow conditions are known or is public knowledge at the time of

effecting this insurance 4. Anything that is excluded in the GENERAL EXCLUSIONS

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OPTIONAL ADDITIONAL POLICY BENEFITS: It is hereby noted and agreed that subject to the correct additional premium being paid the Insurance Policy may be extended to cover the following:

ADVENTURE SPORTS AND DIVE PROFESSIONAL DEVELOPMENT COVER Provided that You have selected the ADVENTURE SPORTS AND DIVE PROFESSIONAL DEVELOPMENT COVER option and paid the appropriate additional premium, You will be covered under Section E Medical Expenses to engage in the following adventure sporting activities continuously for an unlimited period of time during the Travel Period. ● Abseiling ● Banana boating ● Big foot skiing ● BMX riding (stunt/obstacle) ● Bungee jumping (within organisers guidelines) ● Camel or Elephant riding or trekking ● Canopy walking or tree-top walking ● Canyoning ● Caving ● Cave or river tubing ● Coasteering (rock climbing and swimming) ● Conservation and charity work (educational and environmental - working with hand tools only) ● Gliding ● Hang gliding ● Heptathlon ● Husky sledge driving ● Ice hockey ● Jet skiing (excluding racing) ● Marathon running ● Motorcycling over 125 cc (provided that You are licensed to do so or are under instruction) ● Mountain Climbing (involving the use of guide ropes and pulleys under 6,000 metres altitude unless otherwise agreed) ● Paint-balling (wearing eye protection) ● Paragliding ● Paraponting ● Parasailing ● Parascending (over water) ● Parachuting ● Polo ● Pot holing ● Quad Biking ● Rock climbing (involving the use of guide ropes and pulleys) ● Sailing (outside of inland and coastal waters) ● Sky diving ● Snowmobiling ● Summer tobogganing ● Trekking (under 6,000 metres altitude unless otherwise agreed) ● Triathlons ● Wild Swimming and Swim Trekking ● Zip Lines Claims arising from the above activities are specifically excluded under SECTION D - PERSONAL LIABILITY. You will also be covered for costs incurred as a result of the Curtailment of pre-booked recreational developmental diving courses up to Dive Instructor level, subject to the terms and conditions set out in SECTION F – CANCELLATION AND CURTAILMENT and the limits and exclusions contained therein. If You would like to add ADVENTURE SPORTS AND DIVE PROFESSIONAL DEVELOPMENT COVER at any point during the period of insurance then please contact Us on +44 (0) 1702 476902 or by email at sales@divemasterinsurance.com. Please note that certain specific exclusions may apply to some of the activities and sports, so please consult the You are NOT covered for exclusions applying to each section of the policy and the GENERAL EXCLUSIONS *Please note that if You intend to participate in an activity or sport that is not listed above (and is not listed within ACTIVITIES AND SPORTS THAT ARE COVERED BY YOUR POLICY), then please contact Us as We may be able to include coverage for other activities or sports by further agreement.

INCREASED BAGGAGE ITEM LIMIT Provided that You have selected the INCREASED BAGGAGE ITEM LIMIT option and paid the appropriate additional premium, the limit in respect of any Single Article, Pair or Set of Articles including Valuables under SECTION A – BAGGAGE & DIVE EQUIPMENT is increased to £600 but the overall limit of £3,000 and all other policy exclusions and conditions remain unaltered.

DMPTUK010717 28

INDEPENDENT ITINERARY FAILURE Provided that You have selected INDEPENDENT ITINERARY FAILURE and paid the additional premium this policy will indemnify You for the failure of Your independent itinerary that was booked before Your travel commenced due to: cancellation of/or changes in pre-booked Scheduled transport and private transport, cancellation of/or changes to pre-booked accommodation and cancellation of/or changes in pre-booked activities covered by this policy. Excluding:

1. Claims that are recoverable from a common carrier or private transport provider, hotel or other accommodation provider, activity or adventure sports provider.

2. Claims where You have accepted an alternative or other means of compensation. 3. Claims for the difference between the value of alternative or other means of compensation

You have accepted 4. Claims not supported by receipts and/or evidence of payment and rejection by the:

common carrier or private transport provider, hotel or other accommodation provider, activity or adventure sports provider.

5. Claims covered by a Tour Operator’s statutory obligation to provide You with compensation. 6. Claims covered by a Carrier’s statutory obligation to provide You with compensation. 7. Claims covered by ABTA, ATOL, Credits Card schemes or other similar financial guarantee

system. 8. Claims caused directly or indirectly by Volcanic Eruptions, Ash Clouds, Earthquakes,

Landslides, Floods, Tsunamis, atypical cyclonic storms or any other extraordinary natural phenomenon, unless the additional TRAVEL DISRUPTION COVER is also selected.

All exclusions under SECTION F - CANCELLATION & CURTAILMENT, GENERAL EXCLUSIONS and CONDITIONS will still apply. If You would like to add INDEPENDENT TRAVEL COVER at any point during the period of insurance then please contact Us on + 44 (0) 1702 476902 or by email at sales@divemasterinsurance.com

TRAVEL DISRUPTION COVER Provided that You have selected the TRAVEL DISRUPTION COVER option and paid the appropriate additional premium, the Policy will extend to include coverage under sections A-P and any OPTIONAL ADDITIONAL POLICY BENEFITS selected for claims directly or indirectly caused by civil unrest including riots, organised protests, arson and looting. Coverage will also extend under sections A-P and any OPTIONAL ADDITIONAL POLICY BENEFITS selected for claims directly or indirectly caused by Volcanic Eruptions, Ash Clouds, Earthquakes, Landslides, Floods, Tsunamis, atypical cyclonic storms or any other extraordinary natural phenomenon. Excluding:

1. Claims that are recoverable from a common carrier or private transport provider, hotel or other accommodation provider, activity or adventure sports provider.

2. Claims where You have accepted an alternative or other means of compensation. 3. Claims for the difference between the value of alternative or other means of compensation

You have accepted 4. Claims not supported by receipts and/or evidence of payment and rejection by the common

carrier or private transport provider, hotel or other accommodation provider, activity or adventure sports provider.

5. Claims covered by a Tour Operator’s statutory obligation to provide You with compensation. 6. Claims covered by a Carrier’s statutory obligation to provide You with compensation.

DMPTUK010717 29

7. Claims covered by ABTA, ATOL or other similar financial guarantee system All exclusions under SECTION F - CANCELLATION & CURTAILMENT, GENERAL EXCLUSIONS and CONDITIONS will still apply. If You have an independently booked trip You will also need to purchase the INDEPENDENT ITINERARY FAILURE option as well as the TRAVEL DISRUPTION add on for these contingencies to be covered.

EXCESS WAIVER Provided that You have selected the EXCESS WAIVER option and paid the appropriate additional premium, the Policy Excess for each and every claim will be waived and all other policy exclusions and conditions remain unaltered.

GENERAL EXCLUSIONS This policy does not insure under any Section of this Insurance:

1. Any consequence of War, Invasion, Act of Foreign Enemy, Hostilities (whether War be declared or not), Civil War, Rebellion, Revolution, Insurrection or Military or Usurped Power

2. Claims of whatever nature directly or indirectly caused by a. Ionising radiation or contamination by radioactivity from nuclear fuel or from any

waste from the combustion of nuclear fuel b. The radioactive, toxic, explosive or other hazardous properties of any explosive

nuclear assembly or nuclear component of such assembly c. Pressure waves caused by aircraft and other aerial devices travelling at sonic or

supersonic speeds 3. Death, injury, illness or disablement resulting from suicide or attempted suicide, wilful

exposure to danger (except in an attempt to save human life), a pre-existing psychiatric condition, venereal infection or the influence of alcohol liquor or drugs (other than drugs taken under medical supervision and not for the treatment of drug addiction).

4. Claims made as a result of bankruptcy, liquidation of any tour operator, travel agent or carrier/ transportation company unless You have purchased the Independent Itinerary Failure optional additional policy benefit.

5. Driving or riding as a passenger on a motorcycle, quad bike or any other mechanically assisted cycle if You fail to wear a crash helmet on Your head, or You fail to wear other safety equipment that is provided.

6. Motor cycling as driver unless You are licensed to do so or are riding or driving a motor cycle that does not exceed 125cc.

7. Flying or other aerial activities unless specifically agreed with us, except whilst travelling in an aircraft as a passenger (not as a pilot or aircrew nor for the purpose of undertaking any trade or technical operation in or on the aircraft)

8. Participation in expeditions or crewing a vessel from one country to another unless specifically agreed.

9. Claims that are not notified to Us within 60 days of the incident occurring (except under SECTION C – PERSONAL INJURY), or claims that are not submitted within 12 months of the initial notification by way of a completed claim form and all supporting claim documents

10. Engaging in or practising for speed or time trials, sprints or racing of any kind 11. Manual Labour of any kind unless specifically agreed. 12. Engaging in Winter Sports for more than 30 days during the period of cover. 13. ADVENTURE SPORTS AND DIVE PROFESSIONAL DEVELOPMENT COVER or INCREASED

BAGGAGE ITEM LIMIT unless agreed and an additional premium has been paid

DMPTUK010717 30

14. The failure of an independently booked travel itinerary unless INDEPENDENT ITINERARY FAILURE has been selected and the appropriate additional premium paid

15. Any medical condition of any Insured for which at the time of effecting the insurance or booking Your trip (whichever is later) that the Insured:

a. is already receiving medical treatment or is on a waiting list to receive medical treatment unless the condition has been disclosed to Insurers and coverage has been subsequently agreed.

b. has received a terminal prognosis c. is intending to travel against the advice of a qualified medical practitioner

16. Claims made as a result of a trip or activity undertaken by an administrative order by Your employer including armed forces, police, fire, nursing or ambulance services.

17. Any financial loss as a result of Your profession or a profession You are training towards 18. Any liability and / or loss that has been assumed by You under any agreement or contract

that You have made or entered into (such as a hire agreement or holiday booking conditions)

19. Claims made for any losses which are not directly covered by the terms and conditions of this policy (for example We will not pay for any loss of earnings if You are unable to return to work after an injury or illness sustained while on a trip, or replacing locks if You lose Your keys)

20. Any claim that results from You travelling to a country or area where the Foreign and Commonwealth Office have advised You not to go.

CONDITIONS

1. Cooling off period: Provided that travel has not commenced and that there are no claims under the policy, then the named Insured(s) can cancel this insurance within the first 14 days from the date of issue of the Schedule of insurance.

2. You must notify Underwriters through Dive Master Insurance Consultants Ltd as soon as possible after any Bodily Injury, illness, incident or unemployment or on the discovery of any loss or damage which may give rise to a claim under this policy. You must also inform Us if You are aware of any writ, summons or impending prosecution. Every communication relating to a claim must be sent to Us without delay.

3. Claims must be reported to Us within 60 days of the incident occurring by submitting an online claim form found at www.divemasterinsurance.com, or by calling +44 (0) 1702 509094 or by sending an email to claims@divemasterinsurance.com. The claim form and all supporting claim documents must then be submitted within 12 months of the initial notification.

4. You, or any person acting for You, must not negotiate, admit or repudiate any claim without our written consent.

5. The expense of supplying all certificates (including Police and medical certificates), information, quotes, estimates of repair, and any other evidence which We may require will be borne by You or Your legal representative. When a claim for Bodily Injury or sickness occurs, We may request, and will pay for, an Insured Person to be medically examined on behalf of Insurers. We may also request, and will pay for, a post mortem examination if any Insured Person dies.

6. You must, at all times, take reasonable precautions to ensure the safety and supervision of Your Property. If it is lost or damaged whist in the care of a transport company, authority or hotel You must report to them in writing, details of the loss or damage.

If Baggage is lost or damaged by an airline/handling agent then You must:

DMPTUK010717 31

a. Obtain a Property Irregularity Report in the first instance but in the case of irretrievably lost Luggage then the airline/ handling agent will have to confirm this in writing.

b. Give formal written notice of the claim to the airline as soon as is practically possible and retain a copy.

c. Keep all travel tickets and tags for submission to Us if a claim is to be made under this policy.

You should take all practicable steps to recover any articles lost or stolen.

7. If at the time of any incident which results in a claim under this policy, there is any other insurance covering the same loss, damage, expense or liability We will pay only our rateable share. This condition does not apply to: SECTION C - PERSONAL ACCIDENT and SECTION J - HOSPITAL INCONVENIENCE BENEFIT.

8. Insurers are entitled to take over and conduct in Your name the defence or settlement of any Legal Action. We may also take proceedings at our own expense and for our own benefit, but in Your name, to recover any payment We have made under the policy to anyone else.

9. If an Insured Person or a person on whose state of health the holiday depends is undergoing medical treatment at the time the balance of the holiday cost becomes due, such person shall obtain from his/her usual medical practitioner a certificate confirming the Insured Person’s fitness or ability to travel and the certificate must be retained for production in the event of a claim.

10. Where You are receiving medical treatment as a hospital in-patient during the six months preceding the holiday booking, it is a condition of this policy that You must obtain medical advice in the form of a letter from Your doctor on the advisability of taking the holiday.

11. It is a condition precedent to cover that in the event of a loss the Insured will cooperate in providing medical records to Insurers or Insurers appointed medical experts in order to validate the claim.

12. A Person or company who is not covered by this policy has no right under the Contracts (Rights of Third Parties) Act 1999 to insist on any terms of this policy being applied. This does not affect any right or remedy of a third party that exists or is available under this act.

13. You must not act in a fraudulent manner. If You or anyone acting for You: a. Make a claim under the policy knowing the claim to be false or fraudulently

exaggerated in any respect or; b. Make a statement in support of a claim knowing the statement to be false in any

respect or; c. Submit a document in support of a claim knowing the document to be forged or

false in any respect or;. d. Make a claim in respect of any loss or damage caused by Your wilful act or with Your

involvement/collusion then; i. We shall not pay the claim

ii. We shall not pay any other claim which has been made or will be made under the policy

iii. We may at our option declare the policy void iv. We shall be entitled to recover from You the amount of any claim already

paid under the policy v. We shall not make any return of premium and

vi. We may inform the police or any other relevant authority of the circumstances.

DMPTUK010717 32

RESOLUTION OF DISAGREEMENTS If the Insured has any questions or concerns about this insurance or the handling of a claim, please contact the intermediary named in the Schedule through whom this insurance was arranged.

COMPLAINTS The Insurer strives to provide an excellent service to all its customers but occasionally things can go wrong. The Insurer takes all complaints seriously and endeavours to resolve all customers’ problems promptly. If the Insured has a question or complaint about this insurance or the conduct of its broker, they should contact that broker in the first instance. Alternatively, if the Insured wishes to contact the Insurer directly to make a formal complaint the Insured should contact the Compliance Officer at Ironshore Europe Designated Activity Company.

Ironshore Europe Designated Activity Company - Complaints Manager Level 3 8 Fenchurch Street London, EC3M 4AJ Telephone: +44 (0)207 337 4400

If the Insured remains dissatisfied after Ironshore Europe Designated Activity Company have considered the complaint the Insured may have the right to refer their complaint to the Financial Ombudsman Service at the following address: Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR Tel 0800 0234 567 Email complaint.info@financial-ombudsman.org.uk Website www.financial-ombudsman.org.uk Making a complaint to the Financial Ombudsman Service (FOS) does not affect the Insured’s rights under this policy but if the Insured is not an eligible complainant then the informal complaint process ceases. A summary of the Ironshore Europe Designated Activity Company complaint handling procedure is available on request and will also be provided to the Insured when acknowledging a complaint. About the Financial Ombudsman Service (FOS) Eligible complainants are:

a. private individuals; and b. micro-enterprises. c. ‘Micro-enterprises’ will be able to bring complaints to the ombudsman as long as they have

an annual turnover of under EUR2 million and fewer than ten (10) employees. d. charities with an annual income of less than GBP1million; or e. a trustee of a trust with net assets of less than GBP1million.

The FOS will only consider a complaint if the Insured is an eligible complainant and if:

a. the Insurer has been given an opportunity to resolve it and

DMPTUK010717 33

b. the Insurer has sent the Insured a final response letter and the Insured has referred its complaint to the FOS within six (6) months of the Insurer’s final response letter or

c. the Insurer has not responded to the Insured’s complaint with a decision within eight (8) weeks.

If You were sold this product online or by other electronic means and within the European Union (EU) You may refer Your complaint to the EU Online Dispute Resolution (ODR) platform. Upon receipt of Your complaint the ODR will escalate Your complaint to Your local dispute resolution service – this process is free and conducted entirely online. You can access the ODR platform on http://ec.EUropa.EU/odr. Financial Services Compensation Scheme Ironshore Europe Designated Activity Company is covered by the Financial Services Compensation Scheme. The Insured may be entitled to compensation from the Scheme if the Insurer is unable to meet its obligations under this contract. Entitlement to compensation under the Scheme depends on the type of business and circumstances of the claim. Further information about compensation scheme arrangements is available from the Financial Services Compensation Scheme, PO Box 300, Mitcheldean, GL17 1DY or from their website (www.fscs.org.uk).