Your Policy Document Chubb Travel Insurance · UK-CM0006 6 Welcome Thank you for choosing Chubb...

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Your Policy Document Chubb Travel Insurance

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  • Your Policy Document

    Chubb Travel Insurance

  • UK-CM0005 2

    Advice to Travellers

    Important Phone Numbers

    Plea se make a note of the following phone

    n umbers or add them to Your mobile; You

    m ay need them in an emergency or if You

    n eed to make a Claim .

    Ch u bb Assistance

    For ov erseas medical emergencies please con tact Chubb Assistance on:

    Telephone: +44 (0) 161 333 7780

    (2 4 hours a day, 365 days a year)

    Ch u bb Claims

    Telephone: +44 (0) 161 333 6160

    (Mon day - Fr iday, from 8.00 to 15.30)

    Em a il: [email protected]

    Ch u bb Customer Service

    Telephone: +44 (0) 161 333 6160

    (Mon day - Fr iday, from 8.00 to 15.30)

    Em a il: [email protected]

    Helpful hints for y our insurance

    • Ta ke copies of Your policy documents

    on You r T rip with You;

    • Repor t any Loss of theft to the hotel

    or local police within 24 hours and get

    a r eport from them;

    • Keep V aluables safe (for example in a

    sa fety deposit box);

    • Don ’t leave Valuables ly ing around or

    in v iew of other people;

    • Leav e yourself enough t ime to get to

    th e airport, park, and g et through

    security. Remember to a llow time for

    delays in traffic or travel

    • Con tact Us if You have a change in

    h ea lth that may lead to You having to

    ca ncel or alter Your Trip

    • Con tact Us for a dvice before incurring

    costs that You would seek to

    su bsequently Claim for under this

    Policy +44 (0) 161 333 6160.

    Immunisations

    You may need extra immunisations when

    tr avelling A broad. Check whether You do

    befor e travelling online at

    w ww.nhs.uk/healthcareabroad

    EHIC

    If You a re travelling to Europe (all EU

    cou ntries plus Iceland, Liechtenstein,

    Nor way & Switzerland) You should obtain a

    Eu r opean Health In surance Card (EHIC)

    a n d take it with You when You travel. This

    w ill allow You to benefit from the reciprocal

    h ea lth arrangements, which exist with these

    cou ntries and, if You have a valid Claim for

    Medical Expenses under this Policy, We will

    n ot deduct the Excess where the cost of

    You r Claim has been reduced by You

    u sing Your EHIC.

    You can g et more information about the

    EHIC, a pply or renew Your EHIC:

    On line at: www.nhs.uk/ehic

    By ph one: 0300 330 1350

    By post : Forms available online.

    Waiver

    If You h ave a valid Claim for medical

    ex penses under this Policy, which is reduced

    by You

    • u sing an EHIC; or

    • ta king a dvantage of a reciprocal health

    a g reement with the United

    Kingdom; or

    • u sing Your private medical insurance

    a t the point of treatment,

    We w ill not deduct the excess.

    mailto:[email protected]:[email protected]://www.nhs.uk/healthcareabroadhttp://www.nhs.uk/ehic

  • UK-CM0006 3

    Travel Aware

    We a r e supporting the Foreign a nd

    Commonwealth Office’s 'Travel Aware'

    ca mpaign, to help travellers prepare for

    th eir Trip a nd stay safe when abroad.

    Sea rch www.gov .uk/travelaware to sign u p

    for a dv ice on the country you are visiting

    a n d prepare for travelling a broad. You can

    a lso keep up-to-date with the latest FCO

    tr avel a dvice by following the FCO on

    Fa cebook and Twitter at @FCOtravel, and

    on In stagram at @travelaware.

    FCO Travel Advice

    Th is Policy does not cov er any T rip

    in v olving travel to areas where the For eign

    a n d Commonwealth Office has a dvised

    a g ainst 'a ll travel'. If You are n ot sure

    w h ether there is a travel warning for Your

    dest ination, please check their website.

    https://urldefense.proofpoint.com/v2/url?u=http-3A__www.gov.uk_travelaware&d=DwMFAg&c=9TnM8cDdIndCtQknbqO0eA&r=wRNjXdLt2Iuy4aXyX4DF2A03JX7WbJdE9Ex6URy15wY&m=YCzfPqU1qDKIpCENYdpzA_G2ZYxue-bYQ7zj0fdqKE8&s=XJcgHDlgcVDAang5wayKOpwSxypqgEq1MH5pBBlLh2Y&e=

  • UK-CM0006 4

    Contents

    Advice to Travellers 2

    Im portant Ph one Number s 2

    Helpful hints for y our in surance 2

    Immunisation s 2

    EHIC 2

    Waiv er 2

    Trav el Aware 3

    FCO Trav el Adv ice 3

    Welcome 6

    Table of Benefits 7

    Important Information 8

    How to Claim 8

    How to Cancel 8

    General Conditions and General Exclu sion s 8

    Per sons Cov ered 8

    Policy Definitions 8

    Children 8

    Trips Cov ered 8

    Trips Not Cov ered 8

    The Cov er We Pr ov ide 8

    When You Are Cov ered 9

    When Cov er Will En d Automatically 9

    Automatic Extension of the Period of In surance 9

    Leisure Activ ities and Sports 9

    Chubb Assistance 11

    Medical Emergency and Referral Serv ices 1 1

    Per sonal Assistance Serv ices 1 1

    Section 1 - Cancellation 13

    Section 2 – Medical Expenses & Repatriation 15

    Section 3 – Hospital Benefit 16

    Section 4 – Travel Delay / Abandonment 17

    Section 5 – Missed Departure 18

    Section 6 –Curtailment 19

    Section 7 – Personal Effects & Baggage 20

    Section 8 – Business Equipment 21

    Section 9 – Loss of Passport / Driving Licence 21

    Section 10 – Personal Money 22

    Section 11 – Personal Accident 22

    Section 12 – Personal Liability 23

    Section 13 – Overseas Legal Expenses 24

    General Exclusions 27

    Making a Claim 29

    Reporting Lost, Stolen or Damaged Pr operty 2 9

    Claim Conditions 30

    Other Insurance 3 0

  • UK-CM0006 5

    Recov ering Our Claims Payments fr om Others 3 0

    Comply ing with Special Condit ions 3 0

    Supply ing Details & Documents 3 0

    Your Duty to Av oid or Minimise a Claim 3 0

    Pr otecting Pr operty 3 0

    Sending Us Legal Documents 3 0

    Subr ogation 3 0

    Things You Mu st Not Do 3 0

    Recognising Our Rights 3 0

    Fraudulent Claims 3 1

    Pay ing Claims 3 1

    General Conditions 32

    Contract 3 2

    Ch oice of Law 3 2

    Third Party Rights 3 2

    Compliance with Policy Requirements 3 2

    Changing Your Policy 3 2

    Cancelling Your Policy 3 2

    Other taxes or costs 3 2

    Misr epresentation and Non -Disclosure 3 2

    Interest 3 3

    Bank Charges 3 3

    Complaints pr ocedures 3 3

    European Online Dispute Resolution Platform 3 3

    Fr ench Prudential Superv ision and Resolution Authority 3 3

    Financial Serv ices Compen sation Scheme 3 4

    General Definitions 35

    Data Protection 38

    Contact Us 39

    About Chubb 39

  • UK-CM0006 6

    Welcome

    Thank you for choosing Chubb Travel Insurance.

    Th is is Your Policy Wording which, together with Your Certificate of In surance and the

    in formation supplied when applying for this insurance, is a contract between You and Us.

    Cov er provided under this Policy is underwritten by Chubb European Group SE, (We/Us).

    Th is Policy pays benefits, in accordance with this Policy Wording, in the ev ent that You need

    to ca ncel Your T rip before it begins, or You:

    • su ffer illness or injury; or

    • a r e delayed en r oute; or

    • su ffer Loss or damage to Your Personal Property , Mon ey or Bu siness

    Equ ipment

    w h ilst on a Trip.

    Th is Policy does not cov er:

    • a ny pre-existing medical conditions; or

    • m anual work of a ny description; or

    • a ny Trip where Winter Sports is the main reason for Your trip.

    You (a s specified in the Certificate of In surance) and Chubb agree that You shall pay the

    pr emium as agreed. The Certificate of In surance and this Policy Wording prov ide the full

    terms and conditions of the insurance with Us. You acknowledge that We have offered this

    Policy and set the premium using the information which We have asked for and You have

    pr ov ided, and that any change to the r esponses prov ided by You may r esult in a change in the

    terms and conditions of the Policy and/or a change in the premium.

    You sh ould check ov er the Policy Wording and Certificate of In surance carefully to ensure

    th ey are correct and meet Your requirements, and notify Us immediately, if anything is

    in correct, as this could a ffect Policy cov er in the ev ent of a Claim. You should keep these

    documents in a safe place. You must tell Us if either Your insurance n eeds or any of the

    in formation You have g iven Us changes. A change in circumstances may affect Policy cov er,

    ev en if You do n ot think a change is significant, and We may n eed t o change this Policy. We

    w ill update the Policy a nd issue a new Certificate of In surance each time a change is agreed.

  • UK-CM0006 7

    Table of Benefits

    Sect ion Benefit Amounts /

    Lim it of Liability Excess1

    1 . Ca n cellation Flight Cost2 pl us up to £500

    for unused travel costs ✗

    2. Medical Expenses & Repatriation

    A.

    i. a n d ii. Medical Ex penses &

    Em ergency Repatriation Ex pen ses

    iii. Tr avel Ex penses

    B. A ccompanying Traveller Ex penses

    C. Cr emation Burial or Transportation Ch arges

    D. Em ergency Dental Treatment

    up to £2,500,000

    £50 per day up to a Max of £500

    £50 per day up to a Max of £500

    up to £5,000

    up to £200

    3. Hospital Benefit £25 for each full 24 hours up to a Max of £500 ✗

    4. Tr avel Delay/Abandonment

    A . Ea ch complete 6 h our period £30 up to a Max of £240 ✗

    B. A bandonment up to £500 ✓

    5. Missed Depa rture up to £200 ✓

    6. Cu rtailment up to £500 ✓

    7 . Per sonal Effects and Baggage

    A . Loss, damage or theft up to £1,500 ✓

    Sin gle item limit

    V a luables limit

    Spor ts equipment limit

    B. Delay ed Baggage

    £300

    up to £300

    up to £300

    up to £150 after 12 hours delay

    8. Bu sin ess Equ ipment

    A. Loss, damage or theft

    Sin gle item limit

    V a luables limit

    up to £1,500

    £300

    up to £300

    B. Bu siness equipment hire £50 for each full 24 hours up to a

    Max of £250 ✗

    9. Loss of Pa ssport / Dr iv ing Licence temporary replacement costs up to £300 ✗

    10. Per sonal Mon ey up to £500 ✓

    11 . Per sonal A ccident up to £10,000 ✗

    12. Per sonal Liability up to £1,000,000 ✓

    13. Ov erseas Legal Ex penses up to £25,000 ✗

    1 A £50 excess applies to each benefit section per person as h ighlighted in the table above. 2 Fl ight Cost means the total cost of Your flight as shown on Your flight booking confirmation.

    The table above shows the maximum amounts that are covered under the Policy per Person Insured.

  • UK-CM0006 8

    Important Information

    How to Claim

    Gu idance on how to make a Claim under

    th is Policy is detailed on page 29 in this

    Policy Wording.

    How to Cancel

    Gu idance on how to cancel this Policy is

    detailed on page 32 in this Policy Wording.

    General Conditions and General Exclusions

    Th ere are certain Conditions and Ex clusions

    w h ich apply to a ll sections of this Policy, and

    th ese are detailed on pages 27 to 28 and 32

    to 3 4 in this Policy Wording.

    Persons Covered

    A ll Persons Insured on this Policy

    m ust be:

    1 . permanently r esident in the United

    Kingdom and be in the United

    Kingdom a t the t ime of purchasing

    th is Policy; and

    2 . 6 4 years of age or under a t the t ime of

    pu r chasing this Policy.

    Policy Definitions

    Cer tain words in this Policy have a specific

    m eaning. They have this specific meaning

    w h erever they appear in this Policy and are

    sh own by using bold text and capital letters.

    A ll Policy definitions are a pplicable to this

    Policy as a whole, and are detailed on pages

    3 5 to 37 in this Policy Wording.

    Children

    Ch ildren will only be cov ered when they

    a r e travelling with an a dult named under

    Person (s) Insured on the

    Cer tificate of In surance.

    Trips Covered

    A T rip A broad during the Period of

    Insu rance that takes place entirely within

    th e Area of Travel stated in the Certificate of

    In su rance, as long a s You h ave booked a

    r eturn flight to Your country of or igin

    befor e you depart for Your T rip.

    Trips Not Covered

    We w ill not cov er any T rip

    • w h ich involves manual work of a ny

    description;

    • w h ere Winter Sports is the main

    r ea son for Your trip;

    • w h ich involves You travelling on

    a Cru ise;

    • w h ich involves You travelling

    specifically to obtain medical, dental or

    cosm etic treatment;

    • w h en You have been a dvised not to

    tr avel by Your Doctor or You have

    r eceived a terminal prognosis;

    • w h ere, on the date it is booked (or

    commencement of the Period of

    Insu rance if later), You or Your

    T ravelling Com panion are aware of

    a ny reason why it might be cancelled

    or Cu rtailed, or any other

    cir cumstance that could reasonably be

    ex pected to r esult in a Claim under

    th is Policy;

    • in v olving travel to areas where the

    For eign and Commonwealth Office has

    a dv ised against ‘all travel’. If You are

    n ot sure whether there is a travel

    w a rning for Your destination, please

    ch eck their website

    w ww.fco.gov.uk/travel.

    The Cover We Provide

    Th e maximum amount We w ill pay under

    ea ch Section that applies is detailed in the

    Ta ble of Benefits on page 7 in this

    Policy Wording.

    http://www.fco.gov.uk/travel

  • UK-CM0006 9

    When Y ou Are Covered

    1 . Ca n cellation cov er under Section 1

    beg ins when a T rip is booked, or from

    th e commencement date and time

    sta ted in the Certificate of In surance,

    w h ichever is later. It ends when You

    sta rt Your T rip.

    2. In su rance cover under all other

    Sect ions operates for a Trip that takes

    pla ce during the Period of

    Insu rance .

    When Cover Will End Automatically

    A ll cover will end when the Period of

    Insu rance ends.

    Automatic Extension of the Period of Insurance

    If You cannot r eturn home from a Trip

    befor e Your cov er ends, Your policy will

    a u tomatically be extended at n o extra

    ch arge for:

    • u p to 14 days if any Public

    T ransport in which You are booked

    to tr avel as a ticket-holding passenger

    is u n expectedly delayed, cancelled or

    Cu rtailed because of A dverse

    Wea ther, industrial a ction, or

    m echanical breakdown; or

    • u p to 30 days (or any longer period

    a g reed by Us in writing before this

    a u tomatic extension expires) if You

    ca nnot return h ome Du e T o:

    - You being injured or becoming

    ill or being quarantined during

    a T rip.

    - You being required to stay on

    m edical adv ice with another

    Person Insured named on

    You r Certificate of In surance

    w h o is injured or becomes ill or is

    qu a rantined during a T rip.

    Leisure Activities and Sports

    You a re automatically covered when

    pa r ticipating in any of the leisure a ctivities

    or spor ts listed in this section, on a

    r ecreational basis during Your Trip,

    su bject to any prov isions, limitations or

    ex clusions noted by the relevant sport or

    a ct ivity and prov ided that:

    1 . You h ave not been advised by a

    Doct or a gainst participating in such

    spor t or a ctivity;

    2. You w ear the r ecommended/

    r ecognised safety equipment;

    3. You follow safety procedures, rules

    a n d regulations a s specified by the

    a ct ivity organisers/prov iders;

    4. You a re n ot racing or competing in or

    pr a ctising for speed or t ime trials of

    a ny kind; and

    5. It is n ot the main r eason for

    You r Trip.

    Im portant Note

    If a leisure a ctivity or sport is n ot listed then

    w e w ill n ot provide cov er under the Policy.

    • A r chery (prov ided supervised by a

    qu a lified person)

    • A rm wrestling

    • Ba dminton

    • Ba sketball

    • Bea ch basketball

    • Bea ch cricket

    • Bea ch football

    • Bea ch volleyball

    • Bocce

    • Body boarding

    • Bow ls

    • Bow ling

    • Ca n oeing, kayaking and rafting on

    in land waters on ly (excluding

    w h ite water)

    • Ca rriage or hay or sleigh r ides

    • Clay -pigeon sh ooting (prov ided

    su pervised by a qu alified person)

    • Cr icket

    • Cr oqu et

    • Cu rling

    • Cy cling (except BMX and/or

    m ountain biking)

    • Deep sea fishing

    (ex cluding competitions)

    • Dr y skiing

    • Eleph ant r iding (less than 2 days)

    • Fell walking

    • Fen cing (provided supervised by a

    qu a lified person)

    • Fish ing, or angling (on inland

    w a ters only)

    • Footbag (hacky sa ck)

    • Footba ll (Association)

    • Go ka rting (provided You wear a

    cr ash helmet)

    • Golf

  • UK-CM0006 10

    • Ha ndball

    • Hiking or hill walking (up to 1,000m

    a bov e sea level, on ly cov ered if no

    g u ides or ropes are r equired)

    • Hor se riding (prov ided n o hunting,

    ju mping or polo)

    • Hot a ir ballooning (prov ided it is

    pr ofessionally organised, and You

    tr avel a s a passenger on ly)

    • Ice ska ting (excluding ice h ockey and

    speed skating)

    • In lin e skating

    • Ja v elin

    • Jet skiing

    • Kor fball

    • La crosse

    • La n d sailing

    • La ser games

    • Lon g jump

    • Ma x i-basketball

    • Min i-basketball

    • Motor cy cling up to 125cc provided

    You w ear a crash helmet, and h old a

    fu ll (and n ot prov isional) United

    Kin gdom motorcycle licence if You are

    in control of the motorcycle

    • Netball

    • Pa ddleball

    • Pa r ascending (prov ided ov er water)

    • Pon y trekking

    • Ra cquetball

    • Ra mbling (up to 1 ,000m a bov e sea

    lev el, only cov ered if n o guides or

    r opes are required)

    • Roller skating

    • Roller blading

    • Rou n ders

    • Row ing (on inland waters only)

    • Ru n ning (recreational)

    • Sa fari (camera only and

    pr ofessionally organised)

    • Sa il boarding

    • Sa iling or yachting (only on inland

    w a ters or coastal waters within a 12-

    m ile limit from land)

    • Scu ba diving (to a depth n ot exceeding

    1 8m and provided that You are either

    a ccompanied by a qualified

    in struction, or You are qualified and

    n ot div ing a lone)

    • Sn or kelling

    • Soccer

    • Squ a sh

    • Softball

    • Str eetball

    • Su rfing

    • Sw imming

    • Ta ble tennis

    • Ten nis

    • Tr ampolining

    • Tr ekking (up to 1 ,000m a bov e sea

    lev el, only cov ered if n o guides or

    r opes are required)

    • Tr iple jump

    • Tu g of war

    • Tw irling

    • V olleyball

    • Wa ter polo

    • Wa ter skiing

    • Win d surfing

    Plea se r efer to the r elevant exclusions under

    ea ch Section of Your Policy and to the

    Gen eral Ex clusions, which continue to

    a pply. Please specifically note the exclusion

    u n der Section 1 2 - Personal Liability relating

    to th e ownership, possession or use of

    v ehicles, aircraft, hov ercraft, watercraft,

    fir earms or buildings.

  • UK-CM0006 11

    Chubb Assistance

    Ch u bb Assistance can provide a range of

    a ssistance and medical related services

    du r ing Your T rip A broad. Please make

    su r e You have details of this Policy, in cluding the Policy Number and Period of

    Insu rance when You call.

    To con tact Chubb Assistance please call:

    +44 (0) 161 333 7780

    Medical Emergency and Referral Services

    If You a re injured or become ill Abroad You must contact Chubb A ssistance immediately if You n eed hospital in-pa t ient treatment, specialist treatment, m edical tests, scans or to be brought back to th e United Kingdom .

    If You cannot do this yourself, You must a r range for a personal r epresentative (for ex ample, a spouse or parent) to do this for You . If this is not possible because You r condition is serious, You or Your per sonal representative must contact Ch u bb Assistance as soon a s possible.

    If Ch u bb Assistance are not contacted, We m ay reject Your Claim or r educe its pa y ment.

    In a ll other circumstances You are en t itled to use the services of Chubb A ssistance detailed in this section, as a ppropriate.

    Ch u bb Assistance - Medical Emergency

    a n d Referral Services can help with:

    A. Pa y ment of bills - if You are admitted

    to h ospital Abroad, the hospital or

    a t tending Doctor(s) will be contacted

    a n d payment of their fees up to the

    Policy limits may be guaranteed so that

    You do n ot have to make the payment

    fr om Your own funds.

    B. Bein g brought back to the United

    Kingdom - if the Doctor a ppointed

    by Chubb A ssistance believes

    tr eatment in the United Kingdom is

    pr eferable, transfer may be arranged

    by regular scheduled transport

    serv ices, or by a ir or road ambulance

    serv ices if more urgent treatment

    a n d/or specialist care is required

    du r ing the Trip.

    C. Pr ov ision of medical advice –

    i) if You r equire emergency

    con sultation or treatment

    A broad, Chubb Assistance

    w ill provide the names and

    a ddresses of local Doct ors,

    h ospitals, clinics and dentists,

    a n d its panel of Doct ors will

    pr ov ide telephone medical

    a dv ice.

    ii) if n ecessary Chubb A ssistance

    w ill make arrangements for a

    Doct or to call, or for You to be

    a dmitted to hospital.

    D. Un supervised Children - if a Ch ild is

    left unsupervised on a T rip Abroad

    because You are h ospitalised or

    in capacitated, Chubb A ssistance

    m ay organise their return home,

    in cluding a suitable escort when n ecessary.

    Plea se n ote that whilst You will n ot be

    ch arged for advice or a ssistance, You will be

    r esponsible for paying fees and charges for

    serv ices prov ided to You if they are not cov ered as part of a valid Claim under this

    Policy .

    Personal Assistance Services

    • Th e services under this Section are

    pr ov ided by Chubb A ssistance and

    a r e only available during a

    T rip Abroad.

    • Th ese are non-insured facilitation

    serv ices making use of Chubb

    A ssistance’s wide experience and

    con tacts. Any costs incurred, for

    ex ample for message r elay, must be

    r eimbursed to Chubb Assistance

    u n less they form part of a successful

    Cla im under an a ppropriate Section of

    th is Policy.

    Ch u bb Assistance – Personal Assistance

    Serv ices can help with:

    A. T ransfer of em ergency funds

    Tr ansfer of emergency funds up to

    £2 50 per T rip if access to normal

    fin ancial/ banking arrangements are

    n ot av ailable locally. In order to

    r eimburse Chubb A ssistance You

    m ust authorise Chubb A ssistance to

    debit Your credit or charge card with

    th e amount of the transfer, or make

    a lternative arrangements to deposit

    th e funds in Chubb Assistance’s

    a ccount in the United Kingdom . If

    th e emergency transfer is n eeded Du e

  • UK-CM0006 12

    T o th eft or Loss of personal money, a

    Cla im may be made under the Policy.

    B. Messa ge relay

    Tr ansmission of urgent messages to

    r elatives or business associates if

    m edical or travel problems disrupt a

    T rip travel schedule.

    C. Replacement travel documents

    A ssistance with the r eplacement of

    Lost or stolen t ickets and travel

    documents, and r eferral to suitable

    tr avel offices. Chubb Assistance will

    n ot pay for any item.

    D. Em ergency translation facility

    A translation service if the local

    pr ov ider of a n assistance service does

    n ot speak English.

    E. Lega l h elp

    Refer ral to a local English speaking

    La wyer, Embassy or Consulate if legal

    a dv ice is n eeded, and arrangement of

    pa y ment of reasonable emergency

    leg al expenses or bail, a gainst a

    g u arantee of repayment.

  • UK-CM0006 13

    Section 1 - Cancellation

    What is covered

    We w ill refund Your proportion of unused

    tr avel and/or accommodation costs up to

    th e amount stated in the Table of Benefits

    (in cluding excursions pre-booked and paid

    for before starting Your T rip), which You

    h av e paid or are contracted to pay and

    w h ich cannot be recov ered from any other

    sou r ce if it becomes necessary to cancel a

    T rip Du e T o:

    1 . You or Your Travelling

    Com panion(s)

    A. dy ing; or

    B. su ffering serious injury; or

    C. su ffering sudden or serious

    illness; or

    D. su ffering from complications in

    pr egnancy if incurred in a n

    em ergency as a r esult of

    com plications (where such

    com plications are diagnosed by a

    Doct or w ho specialises in

    obstetrics); or

    E. being compulsorily quarantined

    on th e or ders of a

    t r eating Doct or;

    pr ov ided that such cancellation is

    con firmed a s medically necessary by

    th e treating Doctor.

    2. You r Immediate Family Member

    or Close Bu siness Colleague or

    You r Travelling Companion’s

    Im m ediate Family Member or

    Close Bu siness Colleague or

    som eone You have arranged to stay

    w ith on Your Trip:

    A. dy ing; or

    B. su ffering serious injury; or

    C. su ffering sudden or serious

    illness; or

    D. su ffering from complications in

    pr egnancy if incurred in a n

    em ergency as a r esult of

    com plications (where such

    com plications are diagnosed by a

    Doct or w ho specialises in

    obstetrics);

    pr ov ided that such reasons for

    ca ncellation are confirmed

    by a Doct or.

    3. th e police requiring You or Your

    T ravelling Com panion’s presence

    follow ing a burglary or attempted

    bu rglary at Your or Your Travelling

    Com panion’s home.

    4. ser ious fire storm or flood damage to

    You r or Your Travelling

    Com panion’s home, provided that

    su ch damage occurs within the 7 days

    immediately prior to commencement

    of You r T rip.

    5 . th e compulsory jury service or

    su bpoena of You or Your

    T ravelling Com panion

    6. You or Your Travelling

    Com panion being made redundant

    a n d having registered a s unemployed.

    7. Ch a nge to t he dates of your paid h olidays, made by your

    em ployer. This cov er is prov ided for

    sa laried employ ees, excluding

    tr adespeople, traders, members of a

    liberal profession, directors or legal

    r epresentatives of a company. This

    h oliday leave, corresponding to an

    en t itlement, must have previously

    been agreed by the employer prior to

    booking the travel.

    What is not covered

    1 . A ny Claim Du e To

    A. a ny pre-existing medical

    con dition a ffecting any person

    u pon whom Your Trip depends

    th at was diagnosed, treated or

    r equ ired hospital inpatient or

    ou tpatient treatment in the 5 year

    per iod before Your Trip was

    booked (or commencement of the

    Period of Insurance if later),

    a n d which could r esult in You

    h av ing to cancel Your Trip;

    B. a ny pre-existing medical

    con dition a ffecting any person

    u pon whom Your Trip depends

    for w hich they are being

    pr escribed regular medication by

    a Doct or a t the date Your Trip

    w a s booked (or commencement

    of th e Period of Insurance if

    la ter), and which could result in

    You h aving to cancel Your

    T rip;

    C. a ny heart-related condition or

    a ny type of cancer affecting any

    per son upon whom Your T rip

    depends diagnosed at any t ime

  • UK-CM0006 14

    befor e Your Trip was booked

    (or commencement of the

    Period of Insurance if later),

    a n d which could r esult in You

    h av ing to cancel

    You r Trip;

    D. ju ry service or subpoena if You

    or You r T ravelling

    Com panion are called as an

    ex pert witness or where Your or

    th eir occupation would n ormally

    r equ ire a Court attendance;

    E. r edundancy where You or Your

    Tr avelling Companion:

    i) w ere unemployed or knew

    th at You or they may

    become unemploy ed, at the

    t ime the Trip

    w a s booked;

    ii) a r e voluntarily made

    r edundant or made

    r edundant a s a result of

    m isconduct or

    follow ing r esignation;

    iii) a r e self-employed or a

    con tract worker;

    F. a ny adverse financial situation

    ca using You to cancel Your

    T rip, other than reasons stated

    w ithin the section

    'Wh at is cov ered’.

    G. You or Your Travelling

    Com panion(s) deciding that

    You do n ot want to travel, unless

    th at reason for not traveling is

    sta ted within the section

    'Wh at is cov ered'.

    H. Th e failure to obtain the

    n ecessary passport, visa or

    permit for Your T rip.

    2. A ny loss, charge or expense Du e T o:

    A. a delay in n otifying the tour

    oper ator, travel agent, or

    tr ansport or accommodation

    pr ov ider that it is necessary to

    ca ncel a booking;

    B. pr oh ibitive regulations by the

    g ov ernment of any country.

    3. A ny charge or expense paid for with, or

    sett led using, any kind of promotional

    v oucher or points, t imeshare, holiday

    pr operty bond or holiday points

    sch eme, or any Claim for

    m anagement fees, maintenance costs

    or ex change fees associated in r elation

    to t imeshares or similar arrangements.

  • UK-CM0006 15

    Section 2 – Medical Expenses & Repatriation

    What is covered

    If du ring a T rip Abroad You:

    1 . a r e injured; or

    2. become ill (including complications in

    pr egnancy as diagnosed by a Doct or

    or specialist in obstetrics, prov ided

    th at if You are travelling between 28 a n d 35 weeks pregnant You obtained

    w r itten confirmation from a Doctor of

    You r fitness to travel no earlier than 5

    da y s prior to the commencement of

    You r Trip A broad);

    We w ill pay up to the amount stated in the

    Ta ble of Benefits for:

    A . i) Medical Expenses

    A ll reasonable costs that it is

    m edically necessary to incur

    ou tside of the United Kingdom

    for h ospital, ambulance surgical

    or oth er diagnostic or remedial

    tr eatment, g iven or prescribed by

    a Doct or , and including charges

    for staying in a hospital;

    ii) Em ergency Repatriation

    Ex pen ses

    A ll reasonable costs that it is

    m edically necessary for Chubb

    A ssistance to incur to r eturn

    You to Your home in the

    Unit ed Kingdom ; or to mov e

    You to the most suitable hospital

    in the United Kingdom; if it is

    m edically necessary to do so.

    iii) Tr avel Ex penses

    A ll necessary and r easonable

    a ccommodation (room on ly) and

    tr avel expenses incurred with the

    con sent of Chubb Assistance ,

    if it is medically n ecessary for

    You to stay A broad after Your

    sch eduled date of r eturn to the

    Unit ed Kingdom , including

    tr avel costs back to the United

    Kingdom if You cannot use

    You r original return t icket.

    B. A ccompanying Traveller Ex penses

    A ll necessary and r easonable

    a ccommodation (room only) and travel

    ex penses incurred with the consent of Ch u bb Assistance , by any one other

    per son if required on medical advice to

    a ccompany You or to escort a Child

    h om e to the United Kingdom .

    C. Cr emation Burial or Transportation

    Ch arges if You die A broad

    i) cr emation or burial charges in the

    cou ntry in which You die; or

    ii) tr ansportation charges for

    r eturning Your body or a shes

    ba ck to the

    Unit ed Kingdom .

    D. Em ergency Dental Treatment

    A ll medically necessary and reasonable

    cost to prov ide emergency dental

    tr eatment for the relief of pa in only,

    ou tside of the United Kingdom .

    Special Conditions

    1 . If You a re injured or become ill

    A broad You must follow the

    pr ocedure detailed under ‘Making a

    Cla im’ on page 29 of this Policy. If You

    do n ot , We may reject Your Claim or

    r educe the amount that We pay You.

    2. Ch u bb Assistance may:

    A. m ov e You from one hospital to

    a n other; and/or

    B. r eturn You to Your home in the

    Unit ed Kingdom ; or mov e You

    to th e most suitable hospital in

    th e United Kingdom;

    a t a ny t ime, if Chubb Assistance

    believes that it is necessary and sa fe to

    do so.

    3. A dditional travel and hotel expenses

    m ust be authorised in a dvance by

    Ch u bb Assistance .

    4. A ll original r eceipts must be kept and

    pr ov ided to support a Claim .

  • UK-CM0006 16

    What is not covered

    1 . A ny Claim Du e To:

    A. a ny pre-existing medical

    con dition that was diagnosed,

    tr eated or required hospital

    in patient or outpatient treatment

    in the 5 year period before Your

    T rip was booked (or

    commencement of the Period of

    Insu rance if later);

    B. a ny pre-existing medical

    con dition for which You are

    being prescribed regular

    m edication by a Doctor a t the

    da te Your Trip was booked (or

    commencement of the Period of

    Insu rance if later);

    C. a ny heart-related condition or

    a ny type of cancer diagnosed at

    a ny time before Your Trip was

    booked (or commencement of the

    Period of Insurance

    if la ter).

    2. A ny treatment or surgery or

    ex ploratory tests:

    A. n ot confirmed a s medically

    n ecessary; or

    B. n ot directly related to the injury

    or illness that You were admitted

    to h ospital for.

    3. Su rgery, medical or preventative

    tr eatment which can be delayed in the

    opin ion of the Doct or treating You

    u n til You r eturn to the

    Unit ed Kingdom .

    4. A ny costs incurred following Your

    decision n ot to move hospital or return

    to th e United Kingdom after the

    da te when, in the opinion of Chubb

    A ssistance, You should do so.

    5 . Cosm etic Surgery.

    6. Tr eatment or services prov ided by any

    conv alescent or nursing home,

    r ehabilitation centre or health spa.

    7 . A ny medical treatment that You

    t r avelled Abroad to obtain.

    8. Medication You are taking before, and

    w h ich You will have to continue

    ta king during, a Trip.

    9. A ny expenses incurred in the

    Unit ed Kingdom.

    10. A ny additional travel and

    a ccommodation expenses incurred

    w h ich have not been authorised in

    a dv ance by Chubb Assistance .

    11 . A ccommodation and travel expenses

    w h ere the transport and/or

    a ccommodation used is of a standard

    su perior to that of the Trip.

    12. A ny additional costs for single or

    pr iv ate room a ccommodation.

    13. Cr emation or burial costs in the

    Unit ed Kingdom .

    14. Th e cost of medical or surgical

    tr eatment of a ny kind received by a

    Person Insured later than 52 weeks

    fr om the date of the accident or

    commencement of the illness.

    15. Th e Excess, except where You have

    obta ined a reduction in the cost of

    m edical expenses by using a European

    Hea lth In surance Card (EHIC) in the

    Eu r opean Union, (including Iceland,

    Liechtenstein, Norway & Switzerland)

    if You r equire medical treatment

    w h ilst in the country.

    16. A ny Claim when You have travelled

    a g ainst the a dvice of Your Doctor.

    17 . A ny complication in pregnancy that

    w a s known by You a t the t ime

    of tr avel.

    Section 3 – Hospital Benefit

    What is covered

    If You a re a dmitted to a hospital as an in-

    pa t ient during a Trip Du e T o injury or

    illness for which You have a valid Claim

    u n der Section 2 – Medical Ex penses &

    Repa triation, We will pay the benefit

    a m ount stated in the Table of Ben efits for

    ea ch complete 24 h ours that You remain a

    h ospital in-patient, up to the maximum

    a m ount stated in the Table of Ben efits.

    What is not covered

    We w ill not pay for time You spend in an

    in st itution n ot recognised as a hospital in

    th e country of treatment.

  • UK-CM0006 17

    Section 4 – Travel Delay / Abandonment

    What is covered

    If You a re delayed for at least 6 hours on

    You r outbound international Trip or the

    fin al part of Your international return Trip

    because the scheduled departure of Pu blic

    T ransport is affected by a strike; industrial

    a ct ion; Adverse Weather; mechanical

    br eakdown or grounding of a n aircraft Du e

    T o m echanical or structural defect, We

    w ill either:

    A. pay the Travel Delay benefit stated in

    th e Table of Ben efits; or

    B. if You a bandon Your T rip a fter a

    delay of a t least 24 hours of the

    sch eduled outbound international

    depa rture, We will refund Your

    u n used travel and accommodation

    costs u p to the amount stated in the

    Ta ble of Benefits that You have paid or

    a r e contracted to pay and which cannot

    be r ecovered from any other source.

    Special Conditions

    1 . You can on ly Claim under item A or

    item B a bov e, n ot both.

    2. You must:

    A. ch eck-in before the scheduled

    depa rture t ime shown on Your

    t r avel itinerary; and

    B. comply with the travel agent, tour

    oper ator and transport prov iders

    con tract terms; and

    C. pr ov ide Us w ith written details

    fr om the Public T ransport

    oper ator describing the length of,

    a n d reason for, the delay; and

    D. a llow r easonable t ime to arrive at

    You r departure point on t ime.

    What is not covered

    1 . A ny Claim Du e To:

    A. Pu blic Transport being taken

    ou t of service on the instructions

    of a Civ il Aviation Authority, Port

    A u thority or similar authority;

    B. a str ike if it had started or been

    a n nounced before You arranged

    th is insurance;

    C. a ny journey by Public

    T ransport commencing and

    en ding in the country of

    depa rture.

    2. A ny charge or expense paid for with, or

    sett led using, any kind of promotional

    v oucher or points, t imeshare, holiday

    pr operty bond or holiday points

    sch eme, or any Claim for

    m anagement fees, maintenance costs

    or ex change fees in r elation to

    t imeshares or similar arrangements.

    3. A ccommodation and travel expenses

    w h ere the additional transport and/or

    a ccommodation used is of a standard

    su perior to that of the or iginal T rip.

    4. A ny Claim Du e To Your n ot

    a llowing sufficient t ime for the

    jou rney.

    5 . A ny Claim Du e To:

    A. You r travelling against the

    a dv ice of the appropriate national

    or local authority;

    B. pr oh ibitive regulations by the

    g ov ernment of any country.

    6. A ny expenses that:

    A. You can recov er from any tour

    oper ator, airline, hotel or other

    serv ice prov ider;

    B. You w ould n ormally have to pay

    du r ing Your Trip.

    7 . A ny Claim for Travel Abandonment

    ca used by volcanic ash.

    8. Th e Excess, if a T rip

    is a bandoned.

  • UK-CM0006 18

    Section 5 – Missed Departure

    What is covered

    We w ill pay up to the amount stated in the Ta ble of Benefits for n ecessary and

    r ea sonable additional a ccommodation

    (r oom only) and travel expenses to enable

    You to r each:

    1 . You r scheduled destination A broad

    if, on Your outbound journey, You

    a r rive too late at Your final point of

    in ternational departure to board the

    Pu blic Transport on which You are

    booked to travel ; or

    2. On You r return journey, You arrive

    too la te at Your final point of

    in ternational departure to board the

    Pu blic Transport on which You are

    booked to travel.;

    Du e T o:

    1 . th e car/taxi You are travelling in

    br eaking down or being involved in an

    a ccident; or

    2. th e Public T ransport You are

    tr avelling in failing to arrive on

    sch edule.

    Special Conditions

    1 . You must:

    A. pr ov ide ev idence of a ll the extra

    costs You incurred

    B. a llow r easonable t ime to arrive at

    You r departure point on t ime

    C. for car breakdown/accident

    pr ov ide Us w ith:

    i) a w ritten r eport from the

    v ehicle breakdown service

    or g arage that assisted You

    du r ing the incident; or

    ii) r easonable ev idence that the

    v ehicle used for travel was

    r oa dworthy, properly

    m a intained and broke down

    a t the t ime of the incident

    D. for la te arrival of Public

    T ransport prov ide Us w ith:

    i) r ea sonable ev idence of the

    pu blished t ime of a rrival

    a n d the a ctual t ime of

    a r rival.

    What is not covered

    1 . A ny Claim Du e To:

    A. Pu blic Transport being taken

    ou t of service on the instructions

    of a Civ il Aviation Authority, Port

    A u thority or similar authority;

    B. a str ike if it had started or been

    a n nounced before You arranged

    th is insurance or booked Your

    T rip, whichever is the later.

    2. A ny charge or expense paid for with, or

    sett led using, any kind of promotional

    v oucher or points, t imeshare, holiday

    pr operty bond or holiday points

    sch eme, or any Claim for

    m anagement fees, maintenance costs

    or ex change fees in r elation to

    t imeshares or similar arrangements.

    3. A ccommodation and travel expenses

    w h ere the additional transport and/or

    a ccommodation used is of a standard

    su perior to that of the

    or ig inal Trip.

    4. A ny Claim Du e To You n ot allowing

    su fficient t ime for the journey.

    5 . A ny Claim Du e To:

    A. You r travelling against the

    a dv ice of the appropriate national

    or local authority;

    B. pr oh ibitive regulations by the

    g ov ernment of any country.

    6. A ny expenses that:

    A. You can recov er from any tour

    oper ator, airline, hotel or other

    serv ice prov ider;

    B. You w ould n ormally have to pay

    du r ing Your Trip.

    7 . Th e Excess

  • UK-CM0006 19

    Section 6 –Curtailment

    What is covered

    We w ill pay:

    A. u n used a ccommodation costs

    (in cluding excursions pre-booked and

    pa id for before starting Your Trip,

    w h ich You have paid or are contracted

    to pay and which cannot be r ecov ered

    fr om any other source; and

    B. r ea sonable additional travel and

    a ccommodation (room on ly) costs

    n ecessarily incurred in Your r eturning

    to You r home in the

    Unit ed Kingdom .

    u p to the amount shown in the Table of

    Ben efits, if it becomes necessary to, Curtail

    a T rip Du e To:

    1 . You , Your T ravelling

    Com panion(s)

    A. dy ing; or

    B. su ffering serious injury; or

    C. su ffering sudden or serious

    illness; or

    D. su ffering from complications in

    pr egnancy if incurred in a n

    em ergency as a r esult of

    com plications (where such

    com plications are diagnosed by a

    Doct or w ho specialises in

    obstetrics); or

    E. being compulsorily quarantined

    on th e or ders of a

    t r eating Doct or;

    pr ov ided that such Curtailment is

    con firmed a s medically necessary by

    th e treating Doctor.

    2. You r Immediate Family Member

    or Close Bu siness Colleague or

    You r Travelling Companion's

    Im m ediate Family Member or

    Close Bu siness Colleague or

    som eone You have arranged to stay

    w ith on Your Trip:

    A. dy ing; or

    B. su ffering serious injury; or

    C. su ffering sudden or serious

    illness; or

    D. su ffering from complications in

    pr egnancy if incurred in a n

    em ergency as a r esult of

    com plications (where such

    com plications are diagnosed by a

    Doct or w ho specialises in

    obstetrics); or

    pr ov ided that such Curtailment is

    con firmed a s medically necessary by

    th e treating Doctor.

    3. Th e police r equiring You or Your

    T ravelling Com panion’s presence

    follow ing a burglary or attempted

    bu rglary at Your or Your Travelling

    Com panion’s home

    4. Ser ious fire storm or flood damage to

    You r or Your Travelling

    Com panion’s home; prov ided that

    su ch damage occurs after Your Trip

    commences.

    What is not covered

    1 . A ny Claim Due To

    A. a ny pre-existing medical

    con dition a ffecting any person

    u pon whom Your Trip depends

    th at was diagnosed, treated or

    r equ ired hospital inpatient or

    ou tpatient treatment in the 5 year

    per iod before Your Trip was

    booked (or commencement of the

    Period of Insurance if later),

    a n d which could r esult in You

    h av ing to Curtail Your Trip;

    B. a ny pre-existing medical

    con dition a ffecting any person

    u pon whom Your Trip depends

    for w hich they are being

    pr escribed regular medication by

    a Doct or a t the date Your Trip

    w a s booked (or commencement

    of th e Period of Insurance if

    la ter), and which could result in

    You h aving to Curtail Your

    T rip;

    C. a ny heart-related condition or

    a ny type of cancer affecting any

    per son upon whom Your T rip

    depends diagnosed at any t ime

    befor e Your Trip was booked

    (or commencement of the

    Period of Insurance if later),

    a n d which could r esult in You

    h av ing to Curtail

    You r Trip;

    D. a ny adverse financial situation

    ca using You to Curtail

    You r Trip;

    E. You or Your Travelling

    Com panion(s) deciding that

  • UK-CM0006 20

    You do n ot want to r emain

    on You r Trip .

    2. A ny loss, charge or expense Du e T o:

    F. a delay in n otifying the tour

    oper ator, travel agent, or

    tr ansport or accommodation

    pr ov ider that it is necessary to

    Cu rtail a booking;

    G. pr oh ibitive regulations by the

    g ov ernment of any country.

    3. A ny charge or expense paid for with, or

    sett led using any kind of promotional

    v oucher or points, t imeshare, holiday

    pr operty bond or holiday points

    sch eme, or any Claim for

    m anagement fees, maintenance costs

    or ex change fees in r elation to

    t imeshares or similar arrangements.

    4. A ccommodation and travel expenses

    w h ere the transport and/or

    a ccommodation used is of a standard

    su perior to that of the Trip.

    5 . Th e Excess.

    Section 7 – Personal Effects & Baggage

    What is covered

    A. Loss, damage or theft

    If Per sonal Property is Lost, damaged

    or stolen during Your Trip, We will pay

    Repa ir and Replacement Costs up to

    th e amount stated in the Table of

    Ben efits.

    B. Dela y ed Baggage

    If Personal Property is Lost or

    m isplaced for a t least 12 h ours on

    You r outbound journey by the airline

    or oth er carrier, We will pay up to the

    a m ount stated in the Table of Ben efits

    to r eimburse You for the cost of

    essen tial items of clothing, medication,

    toiletries and Mobility Aids that You

    h av e to purchase.

    Special Conditions

    1 . You must take reasonable care to keep

    You r Personal Property sa fe. If

    You r Personal Property is Lost or

    stolen You must take a ll r easonable

    steps to g et it back.

    2. V a luables must be attended by You

    a t a ll t imes when not contained in a

    locked sa fe or safety deposit box.

    3. If You r Personal Property is Lost

    or stolen You must make ev ery

    r ea sonable effort to report it to the

    police (and h otel management if the

    Loss or th eft occurs in a hotel) within

    2 4 hours of discovery and You must

    pr ov ide Us w ith a copy of the original

    w r itten police r eport.

    4. Loss, th eft or damage to Personal

    Property in the custody of an a irline

    or oth er carrier must be r eported in

    w r iting to the airline or other carrier

    w ithin 24 h ours of discov ery and We

    m ust be prov ided with a copy of the

    or ig inal written a irline or carrier’s

    Pr operty Ir regularity report;

    5 . Wh ere Personal Property is

    temporarily Lost or misplaced by an

    a ir line or other carrier We must be

    pr ov ided with original written

    con firmation from such airline or

    oth er carrier or the tour r epresentative

    th at the delay lasted for at least 12

    h ou rs after You arrived at Your

    dest ination.

    6. If You h ave been paid for emergency

    pu r chases of essential items and You

    th en also Claim for Loss, damage or

    th eft of Personal Property r esulting

    fr om the same item, cause or ev ent, the

    a m ount paid to You for emergency

    pu r chases will be deducted from the

    fin al settlement payment. However,

    a ny deduction will not be any more

    th an the amount paid for emergency

    pu r chases.

    What is not covered

    1 . Mor e than the amount stated in the

    Ta ble of Benefits for:

    A. a sin gle item, pair or set, or part

    of a pa ir or set;

    B. V a luables in total;

    C. spor ts equipment in total

    2. Loss or th eft of Valuables left

    Una ttended unless contained in a

    locked sa fe or safety deposit box.

    3. Loss or th eft of any Personal

    Property (other than Valuables) left

    Una ttended unless:

    A. con tained in

    i) a locked room; or

  • UK-CM0006 21

    ii) a locked safe or sa fety

    deposit box; or

    iii) th e locked glove box or boot

    of a v ehicle or in the luggage

    spa ce at the r ear of a locked

    esta te car or hatchback

    u n der a top cov er and out of

    v iew;

    a n d there is ev idence of for ced

    en try to the r oom, safe, safety

    deposit box or car, or the car has

    been stolen;

    B. in the custody or control of a n

    a ir line or other carrier.

    4. Loss, th eft or damage to:

    A. a n tiques, musical instruments,

    pictures, household goods,

    con tact or corneal lenses,

    den tures, or dental fittings,

    h earing aids, bonds, securities or

    documents of any kind;

    B. spor ts equipment whilst being

    u sed, v ehicles or their a ccessories

    (oth er than Mobility A ids),

    w a tercraft and ancillary

    equ ipment, glass china or sim ilar

    fr a gile items and pedal cycles;

    C. bu siness equipment, business

    g oods, samples, business

    Mon ey , tools of trade or any

    oth er item used in connection

    w ith Your business, trade or

    occu pation;

    5 . Depr eciation in value, normal wear

    a n d tear, denting or scratching,

    da mage by moth or vermin, electrical,

    electronic or mechanical breakdown,

    or damage Du e T o atmospheric or

    climatic conditions.

    6. Delay , detention, seizure or

    con fiscation by customs or other

    officials.

    7 . Th e Excess (not applicable to delayed

    ba ggage Claims).

    Section 8 – Business Equipment

    What is covered

    A. Loss, damage or theft

    We w ill pay up the amount stated in the Table of Benefits for the Repair a nd Replacement Costs of Your bu siness equipment (limited to audio,

    v isual, video, photographic, computer equ ipment and samples) if it is Lost, stolen or damaged.

    B. Bu sin ess equipment h ire

    If bu siness equipment (limited to audio, v isual, video, photographic, computer equ ipment and samples) held by You for bu siness reasons is Lost, stolen or da maged, You will be cov ered for the r ea sonable cost of hiring replacement equ ipment up to the amount stated in th e Table of Ben efits.

    Special Conditions

    1 . For temporary Loss, a s well as getting a n authorised “ property irregularity r eport” from the carrier or handling a g ent, You must also write to them w ithin 21 days of r eceiving Your pr operty back to confirm You had to buy r eplacement items.

    2. If You r business equipment is n ever fou n d and We agree to pay for permanent Loss, We will take off any a m ount We have a lready paid for temporary Loss.

    3. You must keep any damaged property so th at We can inspect it. When We m a ke a payment for replacement of that pr operty, it will then belong to Us.

    What is not covered

    1 . A ny exclusion a pplicable to Section 7 . Personal Effects & Ba ggage a lso a pply to this section except ex clusion 4.C., which is not a pplicable.

    2. Th e Excess.

    Section 9 – Loss of Passport / Driving Licence

    What is covered

    If You r passport and/or driving licence is

    Lost , destroy ed or stolen while You are on

    a T rip A broad, We will pay up to the

    a m ount stated in the Table of Ben efits to

    cov er the cost of:

    1 . g etting any temporary replacement

    documents needed to enable You to

    r eturn from Your Trip including any

    a dditional travel and a ccommodation

    (r oom only) costs incurred by You or

    on You r behalf during Your T rip to

    obta in such documents; and

  • UK-CM0006 22

    2. th e replacement passport or driving

    licence fee payable, prov ided that it

    r emained v alid for a t least 2 years a t

    th e date it was Lost, destroy ed

    or stolen.

    Special Conditions

    1 . You must take reasonable care to keep

    You r passport and/or driving licence

    sa fe. If Your passport a nd/or driving

    licence is Lost or stolen You must

    ta ke all reasonable steps to g et it back.

    2. You r passport and/or driving licence

    m ust be attended by You a t all times

    w h en not contained in a locked safe or

    sa fety deposit box.

    3. If You r passport and/or driving

    licence is Lost or stolen You must

    m a ke ev ery r easonable effort to report

    it to the police (and h otel management

    if th e Loss or theft occurs in a hotel)

    w ithin 24 h ours of discov ery and You

    m ust prov ide Us w ith a copy of the

    or ig inal written police report.

    What is not covered

    1 . Loss or th eft of any passport or

    dr iv ing licence left Unattended

    u n less contained in a locked sa fe or

    sa fety deposit box.

    2. Delay , detention, seizure or

    con fiscation by customs or

    oth er officials.

    Section 10 – Personal Money

    What is covered

    We w ill pay up to the amount stated in the

    Ta ble of Benefits if Mon ey held by You for

    You r own personal use is Lost or stolen du r ing a Trip whilst:

    1 . being carried by You; or

    2. left in a locked sa fe or safety deposit

    box .

    Special Conditions

    1 . You must take reasonable care to keep

    You r Mon ey safe. If You r Mon ey is

    Lost or stolen You must take all

    r ea sonable steps to get it back.

    2. You r Mon ey must be attended by

    You a t a ll t imes when not contained in

    a locked safe or sa fety deposit box.

    3. If You r Mon ey is Lost or stolen You

    m ust make ev ery r easonable effort to

    r eport it to the police (and hotel

    m anagement if the Loss or theft

    occurs in a h otel) within 24 h ours of

    discov ery and You must provide Us

    w ith a copy of the or iginal written

    police report.

    What is not covered

    1 . Mor e than the amount stated in the

    Ta ble of Benefits for cash.

    2. Loss or th eft of Mon ey left

    Una ttended unless contained in a

    locked sa fe or safety deposit box.

    3. Delay , detention, seizure or

    con fiscation by customs or other

    officials.

    4. Tr aveller’s cheques:

    A. u n less the Loss or theft is

    r eported immediately to the local

    br anch or agent of the issuing

    com pany;

    B. if th e issuing company prov ides a

    r eplacement service.

    5 . Depr eciation in value or sh ortage Du e

    T o a ny error or omission.

    6. Th e Excess.

    Section 11 – Personal Accident

    What is covered

    If You su ffer physical injury caused by an

    A ccident during a Trip which, within 12

    m on ths, directly r esults in Your:

    1 . Dea th; or

    2. Loss of Sigh t; or

    3. Loss of Lim b; or

    4. Permanent Total Disablement .

    We w ill pay the appropriate benefit stated

    in the Table of Benefits.

  • UK-CM0006 23

    Special Conditions

    We w ill not pay more than one benefit for

    th e same physical injury.

    What is not covered

    Dea th, Loss of Sight, Loss of Limb or

    Permanent Total Disablement Du e T o

    disea se or any physical defect, injury or

    illness which existed before the Trip.

    Section 12 – Personal Liability

    What is covered

    We w ill cover You up to the Limit of

    Lia bility stated in the Table of Benefits

    a g ainst all sums which You are legally liable

    to pay a s damages in respect of:

    1 . a ccidental bodily injury (including

    dea th illness or disease) to any person;

    2. a ccidental loss of or damage to

    m aterial property;

    w h ich occurs during the Period of

    Insu rance arising out of the Trip.

    Th e maximum that We will pay under this

    Sect ion for all damages as a result of any

    on e occurrence or series of occurrences

    a r ising directly or indirectly from one source

    or or iginal cause shall be the Limit of

    Lia bility stated in the Table of Benefits. We

    w ill in addition pay Costs a nd Expenses.

    Cost s a nd Expenses shall mean:

    1 . a ll costs and expenses recov erable by a

    cla imant from You;

    2. a ll costs and expenses incurred with

    Ou r written consent;

    3. solicitors’ fees for representation at

    a ny coroner’s inquest or fatal a ccident

    in qu iry or in any Court of Summary

    Ju r isdiction;

    in r espect of a ny occurrence to which this

    Sect ion applies – ex cept that in respect of

    occurrences happening in or claims or legal

    pr oceedings brought or originating in the

    Un ited States of America and Canada or any

    oth er territory within the jurisdiction of

    either such country, Costs and Expenses

    described in 1., 2., and 3. abov e are deemed

    to be in cluded in the Limit of Liability for

    th is Section.

    Special Conditions

    1 . We m ay at Ou r sole discretion in

    r espect of any occurrence or

    occurrences cov ered by this Section

    pa y to You the Limit of Liability stated

    in the Table of Benefits applicable to

    su ch occurrence or occurrences (but

    dedu cting therefrom any sum(s)

    a lready paid) or any lesser sum for

    w h ich the Claim(s) arising from such

    occurrence(s) can be settled and We

    sh a ll thereafter be under n o further

    lia bility in r espect of such

    occurrence(s) except for the payment

    of Cost s a nd Expenses incurred

    pr ior to the date of su ch payment and

    for w hich We may be responsible

    h er eunder.

    2. If a t the time of the happening of any

    occurrence cov ered by this Section

    th ere is any other existing insurance

    w h ether taken out by You or not

    cov ering the same liability We shall

    n ot be liable to indemnify You in

    r espect of such liability except so far as

    con cerns a ny excess beyond the

    a m ount which would have been

    pa y able under such other insurance

    h a d this Section n ot been effected.

    What is not covered

    Cov er for any liability:

    1 . in r espect of bodily injury to any

    per son who is:

    A. u n der a contract of service with

    You w hen such injury arises out

    of a n d in the course of their

    em ploy ment by You;

    B. a m ember of Your family.

    2. a ssumed by You under a contract or

    a g reement unless such liability would

    h av e a ttached in the absence of su ch

    con tract or agreement;

    3. in r espect of loss of or damage to

    pr operty:

    A. belonging to You;

    B. in You r care custody or control.

    How ev er this Ex clusion shall not apply

    in r espect of loss of or damage to

    bu ildings and their contents not

    belonging to but temporarily occupied

    by You in the course of the Trip.

    4. in r espect of bodily injury loss or

    da mage caused directly or indirectly in

    con nection with:

  • UK-CM0006 24

    A. th e carrying on of a ny trade,

    bu siness or profession;

    B. th e ownership, possession or use

    of:

    i) h or se-drawn or

    m echanically propelled

    v ehicles;

    ii) a ny aerospatial dev ice or

    a ny airborne or waterborne

    cr aft or v essel (other than

    n on -mechanically powered

    w a terborne craft not

    ex ceeding 10 metres in

    len gth whilst used on inland

    w a ters) or the loading or

    u n loading of su ch craft or

    v essel;

    iii) fir earms (other than

    spor t ing guns);

    iv ) a r ising from the occupation

    or ow nership of any land or

    bu ilding other than any

    bu ilding temporarily

    occu pied by You in the

    cou rse of a T rip.

    5 . in r espect of a ctivities or v olunteer

    w or k organised by or when the

    in dividual is a ssigned ov erseas by or

    u n der the auspices of a charitable

    v oluntary not for profit social or

    sim ilar organisation except where no

    oth er insurance or cov er is available.

    6. in r espect of punitive or exemplary

    da mages.

    7 . in r espect of the Excess.

    Section 13 – Overseas Legal Expenses

    What is covered

    If du ring a T rip You sustain bodily injury

    or illness which is caused by a third party

    We w ill pay up to the amount stated in the

    Ta ble of Benefits to cover Legal Expenses

    a r ising out of A ny One Claim.

    Special Conditions

    1 . Lega l Representatives must be

    qu a lified to practise in the Courts of

    th e country where the event g iving r ise

    to th e Claim occurred or where the

    pr oposed defendant under this Section

    is r esident.

    2. We sh a ll a t all t imes have complete

    con trol ov er the legal proceedings.

    Ou tside the Eu ropean Union, the

    selection, appointment and control of

    Lega l Representatives shall rest

    w ith Us. Within the European Union,

    You do n ot have to a ccept the Legal

    Representatives chosen by Us. You

    h av e the right to select and a ppoint

    Lega l Representatives a fter legal

    pr oceedings have commenced subject

    to Ou r agreement to the Legal

    Representatives' fee or charging

    r a tes. If there is a disagreement ov er

    th is choice of Legal

    Representatives You can propose

    Lega l Representatives by sending

    Us th e proposed Legal

    Representatives’ name and a ddress.

    We m ay choose not to accept Your

    pr oposal but only on r easonable

    g r ounds. We may ask the ruling body

    for Legal Representatives to

    n om inate alternative Legal

    Representatives. In the meantime,

    We m ay appoint Legal

    Representatives to protect

    You r interests.

    3. You must co-operate fully with the

    Lega l Representatives and ensure

    th at We are fully informed at all t imes

    in connection with any Claim or legal

    pr oceedings for damages and or

    com pensation from a third party. We

    a r e entitled to obtain from the Legal

    Representatives any information,

    document or a dvice relating to a

    Cla im or legal proceedings under this

    In su rance. On request You will give to

    th e Legal Representatives any

    in structions necessary to ensure

    su ch access.

    4. Ou r a uthorisation to incur Legal

    Expenses will be g iven if You can

    sa t isfy Us that:

    A. th ere are r easonable grounds for

    pu r suing or defending the Claim

    or legal proceedings and the

    Lega l Expenses will be

    pr oportionate to the v alue of the

    Cla im or legal proceedings; and

    B. it is r easonable for Legal

    Expenses to be prov ided in a

    pa r ticular case. The decision to

    g r ant authorisation will take into

    a ccount the opinion of the Legal

    Representatives a s well a s that

    of Ou r ow n advisers. If there is a

    dispute, We may request, a t

    You r expense, an opinion of a

  • UK-CM0006 25

    ba rrister a s to the merits of the

    Cla im or legal proceedings. If

    th e Claim is a dmitted, Your

    costs in obtaining this opinion

    w ill be cov ered by this Policy.

    5 . If th ere is any dispute, other than in

    r espect of the admissibility of a Claim

    on w hich Ou r decision is final, the

    dispute will be referred to a single

    a r bitrator who will be either a solicitor

    or ba rrister agreed by a ll parties, or

    fa iling agreement, one who is

    n om inated by the current President of

    th e appropriate Law Society. The party

    a g ainst whom the dec ision is made

    sh a ll meet the costs of the arbitration

    in fu ll. If the decision is n ot clearly

    m a de a gainst either party the

    a r bitrator shall have the power to

    a pportion costs. If the decision is made

    in Ou r favour, Your costs shall n ot be

    r ecov erable under the In surance.

    6. We m ay at Ou r discretion assume

    con trol at any t ime of any Claim or

    leg al proceedings in Your name for

    da mages and/or compensation from a

    th ird party.

    7 . We m ay at Ou r discretion offer to

    sett le a counter-claim a gainst You

    w h ich We consider to be reasonable

    in stead of continuing any Claim or

    leg al proceedings for damages and/or

    com pensation by a third party.

    8. Wh ere settlement has been made to

    You w ithout legal costs being

    a pportioned, We will determine h ow

    m uch of that settlement sh ould be

    a pportioned to legal costs and

    ex penses and paid to Us.

    9. If a con flict of interest arises, where

    We a r e also the insurers of the third

    pa r ty or proposed defendant to the

    Cla im or legal proceedings, You have

    th e right to select and a ppoint other

    Lega l Representatives in

    a ccordance with the terms of this

    In su rance.

    10. If a t Your request Legal

    Representatives cease to continue

    a ct ing for You, We shall be entitled to

    w ithdraw cov er immediately or agree

    w ith You to a ppoint other Legal

    Representatives in accordance w ith

    th e terms of this In surance.

    What is not covered

    1 . A ny Claim r eported to Us more than

    1 2 months after the beginning of the

    in cident which led to the Claim.

    2. A ny Claim where it is Ou r opinion

    th at the prospects for success in

    a chieving a reasonable settlement are

    in sufficient and/or where the laws,

    pr a ctices and/or financial regulations

    of th e country in which the incident

    occurred would preclude the obtaining

    of a sa t isfactory settlement or the costs

    of doin g so would be disproportionate

    to th e value of the Claim.

    3. Lega l Expenses incurred before

    r eceiving Ou r prior authorisation

    in w riting.

    4. Lega l Expenses incurred in

    con nection with any criminal or wilful

    a ct on Your part.

    5 . Lega l Expenses incurred in the

    defen ce against any civil claim or legal

    pr oceedings made or brought against

    You u nless a s a counter-claim.

    6. Fin es, penalties compensation or

    da mages imposed by a court or other

    a u thority.

    7 . Lega l Expenses incurred for any

    Cla im or legal proceedings

    br ought against:

    A. a tour operator, travel agent,

    ca rrier, insurer or their agents

    w h ere the subject matter of the

    Cla im or legal proceedings is

    elig ible for consideration under

    a n Arbitration Scheme or

    Com plaint Pr ocedure;

    B. Us or Ou r agents; or

    C. You r employer.

    8. A ctions between Persons Insured or

    pu r sued in or der to obtain satisfaction

    of a ju dgement or legally

    bin ding decision.

    9. Lega l Expenses incurred in pursuing

    a ny Claim for compensation (either

    in dividually or as a member of a group

    or class action) against the

    m anufacturer, distributor or supplier

    of a ny drug, medication or medicine.

    10. Lega l Expenses chargeable by the

    Lega l Representatives under

    con tingency fee arrangements.

  • UK-CM0006 26

    11 . Lega l Expenses incurred where

    You h ave:

    A. fa iled to co-operate fully with and

    m a ke sure that We are fully

    in formed at a ll t imes in

    con nection with any Claim or

    leg al proceedings for damages

    a n d or compensation from a third

    pa r ty; or

    B. sett led or withdrawn a Claim in

    con nection with any Claim or

    leg al proceedings for damages

    a n d or compensation from a third

    pa r ty without Ou r agreement. In

    su ch circumstances We shall be

    en t itled to withdraw cover

    immediately and to r ecov er any

    fees or ex penses paid.

    12. Lega l Expenses incurred after You

    h av e n ot:

    A. a ccepted an offer from a third

    pa r ty to settle a Claim or legal

    pr oceedings where the offer is

    con sidered r easonable by Us; or

    B. a ccepted an offer from Us to

    sett le a Claim .

    13. Lega l Expenses which We consider

    u n reasonable or excessive or

    u n reasonably incurred.

  • UK-CM0006 27

    General Exclusions

    Ex clusions that a pply to the whole Policy.

    We w ill not pay any Claims which would

    r esult in Us being in breach of United

    Na tions resolutions or trade or economic

    sa n ctions or other laws of the Eu ropean

    Un ion, United Kingdom , or United States

    of A m erica.

    A pplicable to US Persons only: Policy cov er

    for a T rip involving travel to/from/through

    Cu ba will on ly be effective if the US Person’s

    tr avel has been authorised by a general or

    specific licence from OFAC (US Treasury ’s

    Office of Foreign Asset Control). For any

    Cla im from a US Person relating to Cuba

    tr avel, We will require verification from the

    US Per son of such OFAC licence to be

    su bmitted with the Claim . US Persons shall

    be deemed to include any individual

    w h erever located who is a citizen or

    or dinarily r esident in the United States

    (in cluding Green Card Holders) as well as

    a ny corporation, partnership, a ssociation, or

    oth er organisation, wherever or ganised or

    doin g business, that is owned or controlled

    by such persons.

    You sh ould contact Us on +44 (0) 161 333

    6 160 for clarification of Policy cover for

    tr avel to countries which may be subject to

    Un ited Nations resolutions or trade or

    econ omic sanctions or other laws of the

    Eu r opean Union, United Kingdom, or

    Un ited States of America.

    We w ill not be liable to make any payment

    u n der this Policy where:

    1 . Person s Covered

    You do n ot meet the criteria detailed

    u n der Important In formation on page

    8 of th is Policy.

    2. Ch ildren travelling alone

    You a re a Child travelling or booked

    to tr avel without an a dult Person

    Insu red named in the

    Cer tificate of In surance.

    3. T rips not covered

    You r Trip is described under “Trips

    Not Cov ered”, on page 8 of this Policy.

    4. a ny Claim is Du e To:

    A. Not t aking m edication or

    t reatment

    a Person Insured choosing not

    to ta ke medication or other

    r ecommended treatment as

    pr escribed or directed

    by a Doct or.

    B. T ropical disease where

    not vaccinated

    a tr opical disease where the

    Person Insured has n ot had

    th e vaccinations or taken the

    m edication recommended by the

    Unit ed Kingdom Department

    of Hea lth or required by the

    a u thorities in the country being

    v isited, unless they have written

    con firmation from a Doct or that

    th ey sh ould not be vaccinated or

    ta ke the medication,

    on m edical grounds.

    C. A nxiety state or phobia

    a Person Insured suffering

    fr om any travel-related anxiety

    sta te, or phobia.

    D. Exclu ded leisure a ctivities

    or sports

    You taking part in any of the

    follow ing while on a T rip:

    i) a ny leisure activities or

    spor ts not specifically

    cov ered under "Leisure

    A ct ivities & Sports"

    ii) a ny leisure activities or

    spor ts in a professional

    ca pacity or for financial

    r eward or g ain

    iii) a ir travel unless You are

    tr avelling a s a fare paying

    pa ssenger on a flight which

    is pr ov ided by a licensed

    a ir line or air

    ch arter company

    E. Cu rrency

    Cu rrency exchange, including but

    n ot limited to a ny loss of value or

    cu rrency conversion fees.

    F. Illegal A cts

    A ny illegal a ct by You.

  • UK-CM0006 28

    G. A lcohol/drugs

    i) A lcohol

    You dr inking too much

    a lcohol, alcohol abuse or

    a lcohol dependency. We do

    n ot expect You to avoid

    a lcohol on T rips, but We

    w ill not cov er any Claims

    a r ising because You have

    dr unk so much alcohol that

    You r judgement is

    ser iously a ffected and You

    n eed to make a Claim as a

    r esult (for example any

    m edical report or ev idence

    sh ow ing excessive alcohol

    con sumption which in the

    opin ion of a Doct or has

    ca used or contributed to the

    bodily injury).

    ii) Dr u gs

    You taking any drugs in

    con travention of the laws

    a pplicable to the country

    You a re travelling to, or

    h av ing a n addiction to or

    a busing any medications, or

    being under the influence of

    a ny non-prescribed

    m edication which is

    cla ssified as a legal h igh in

    th e country You are

    tr avelling to.

    H. Su icide/self-injury

    i) You r suicide, attempted

    su icide or deliberate self-

    in flicted injury regardless of

    th e state of Your mental

    h ea lth; or

    ii) You r needless self-

    ex posure to danger or where

    You have acted in a manner

    con trary to visible warning

    sig n s except in an attempt

    to sa v e human life.

    I. Ra diation

    i) ion ising radiation or

    con tamination by

    r a dioactivity from any

    n u clear fuel or from any

    n u clear waste resulting

    fr om the combustion of

    n u clear fuel; or

    ii) th e radioactive, toxic,

    ex plosive or other

    h a zardous properties of a ny

    ex plosive nuclear assembly

    or n u clear component of

    su ch assembly.

    J. Son ic wa ves

    pr essure waves from a ircraft and

    oth er airborne devices travelling

    a t son ic or supersonic speeds.

    K. Wa r

    Wa r or any a ct of War whether

    Wa r is declared or not.

    L. Financial Failure

    Th e financial failure of a tour

    oper ator, travel agent, transport

    pr ov ider, accommodation

    pr ov ider, ticketing agent or

    ex cursion prov ider.

  • UK-CM0006 29

    Making a Claim

    Con ditions that a pply to the whole Policy.

    1 . If You a re injured or become ill

    A broad and n eed:

    A. h ospital in patient treatment,

    specialist treatment, medical

    tests, scans or to be brought back

    to th e United Kingdom:

    You must contact Chubb

    A ssistance immediately on:

    +44 (0) 161 333 7780.

    If You cannot do this yourself,

    You must arrange for a personal

    r epresentative (for example, a

    spou se or parent) to do this for

    You . If Ch ubb A ssistance are

    n ot contacted, any expense

    in curred by You that would

    oth erwise n ot have been incurred

    h a d Chubb A ssistance been

    con tacted will be deducted from

    You r Claim

    B. m edical treatment other than

    u n der A. above - You must

    follow the procedure detailed

    u n der condition 2. below. You

    ca n make use of the services

    pr ov ided by Chubb A ssistance,

    a s a ppropriate (these are detailed

    on pa ge 11 of this Policy).

    2. A ll other Claims

    You must notify Us immediately by

    telephone or email as soon a s

    r ea sonably possible and within 30 days

    of becoming aware of anything likely to

    r esult in a Claim.

    A per sonal r epresentative can do this

    for You if You cannot.

    We ca n be contacted at:

    Em a il: [email protected]

    Tel: +44 (0) 161 333 6160

    Reporting Lost, Stolen or Damaged Property

    1 . Lost or stolen Personal Property ,

    Mon ey , passport or driving licence.

    You must make every reasonable

    effor t to obtain a police r eport within

    2 4 hours of discovery.

    • If Lost or stolen from a h otel,

    You must make every reasonable

    effor t to notify the h otel

    m anagement; and

    • If th e Mon ey You have Lost or

    h a d stolen includes travellers

    ch eques, You must make every

    r ea sonable effort to notify the

    loca l branch or agent of the

    issu ing company; and

    • Pr ov ide Us w ith a copy of the

    or ig inal written r eports.

    2. Person al Property Lost , stolen or

    da maged whilst in the custody of a n

    a ir line or other carrier.

    You must notify the a irline or other

    ca rrier in writing within 24 h ours of

    discov ery and prov ide Us w ith a copy

    of th e or iginal Property

    Ir r egularity Report.

    mailto:[email protected]

  • UK-CM0005 30

    Claim Conditions

    Other Insurance

    If, a t the t ime of a n incident which results in

    a Cla im under this Policy, there is any other

    in surance covering the same Loss, damage,

    ex pense or liability, We are entitled to

    a pproach that insurer for a contribution

    tow ards the Claim, and will on ly pay Our

    pr oportionate share. This condition does not

    a pply to Section 3 – Hospital Benefit or

    Sect ion 11 - Per sonal Accident of this Policy.

    Recovering Our Claims Pay ments from Others

    We a r e entitled to take ov er and carry out in

    You r name the defence or settlement of any

    leg al a ction. We may a lso take proceedings

    a t Ou r own expense and for Our own

    ben efit, but in Your name, to r ecov er any

    pa y ment We have made under this Policy to

    a ny one else.

    Comply ing with Special Conditions

    You must comply with the Special

    Con ditions detailed in the r elevant Section

    of th is Policy.

    Supply ing Details & Documents

    You must supply a t Your own expense any

    in formation, ev idence and r eceipts We

    r equ ire including medical certificates signed

    by a Doct or, police r eports and

    oth er reports.

    Y our Duty to Avoid or Minimise a Claim

    You a nd each Person Insured must take

    or dinary and r easonable care to safeguard

    a g ainst Loss, damage, Accident, injury or

    illness as though You were not insured. If

    We believe You have n ot taken reasonable

    ca re of property, the Claim may n ot be

    pa id. The items insured under this Policy

    m ust be maintained in good condition.

    Protecting Property

    You must take all reasonable steps to

    pr otect any item or property from further

    Loss or da mage and to r ecov er any Lost or

    stolen article.

    Sending Us Legal Documents

    You must send Us a ny or iginal writ,

    su mmons, legal process or other

    cor respondence received in connection with

    a Cla im immediately when it is received

    a n d without answering it.

    Subrogation

    We m ay take action in Your name to

    r ecov er compensation or security for loss,

    da mage or expenses covered by this

    in surance. You w ill n ot have to pay

    a ny thing towards this action but We will be

    en t itled to retain some or all of a ny

    a m ount recovered.

    Things Y ou Must Not Do

    You must not do the following without Our

    w r itten agreement:

    1 . a dmit liability, or offer or promise to

    m a ke any payment; or

    2. sell or otherwise dispose of a ny item or

    pr operty for which a Claim is

    being made

    Recognising Our Rights

    You a nd each Person Insured must

    r ecognise Ou r right to:

    1 . ch oose either to pay the amount of a

    Cla im (less any Excess and up to any

    Policy limit) or repair, replace or

    r einstate any item or property that is

    da maged, Lost or stolen;

    2. in spect and take possession of any

    item or property for which a Claim is

    being made and handle any sa lvage in

    a r easonable manner;

    3. ta ke ov er and deal with the defence or

    sett lement of any Claim in Your

    n ame and if a settlement is made

    w ithout costs being awarded,

    determine what proportion of those

    costs sh ould be paid for costs &

    ex penses and paid to Us;

    4. sett le all Claims in pounds sterling;

    5 . be r eimbursed within 30 days for any

    costs or expenses that are not insured

    u n der this Policy, which We pay to

    You or on Your behalf;

  • UK-CM0006 31

    6. be su pplied at Your expense with

    a ppropriate original medical

    cer tificates where r equired before

    pa y ing a Claim;

    7 . r equ est and carry out a medical

    ex amination and insist on a post-

    m ortem examination, if the law allows

    Us to a sk for on e, at Ou r expense.

    Fraudulent Claims

    We w ill not pay dishonest Claims. If You

    m a ke a dishonest Claim, We may cancel

    You r cover.

    Pay ing Claims

    1 . Dea t h

    A. If You