Bare Bones Insurance - Policy Wording

SPECIFIC EXCLUSIONS APPLYING TO SECTION A
What is not covered:
1. any expense following Your disinclination to travel or to continue with Your trip or loss of enjoyment on Your trip
2. any expense arising from circumstances which could reasonably have been anticipated at the time You booked Your trip (see also the Specific Exclusions applying to Sections A, B and C in the policy)

SECTION B – EMERGENCY MEDICAL & OTHER EXPENSES
What is covered:
If You sustain actual bodily injury or suffer illness outside the United Kingdom We will indemnify You up to the amount stated in the Schedule against the following expenses which You necessarily incur outside the United Kingdom:
1. Necessary Medical Expenses including hospital charges and in-patient treatment authorised by Us and ambulance charges for conveyance to hospital. Dental treatment up to the limit shown in the schedule is included only for the alleviation of sudden pain, and does not apply to the provision of dentures or artificial teeth and work involving the use of precious materials
2. Reasonable additional travelling expenses in returning to Your home address in the United Kingdom and reasonable additional Accommodation expenses for You and one relative or friend required on medical advice and authorised by Us and Our Assistance Company to remain with or to travel with You.
3. The expense of a qualified medical attendant or other person authorised by Us required on medical advice to escort You home
4. The cost of returning Your body or ashes to Your home address in the United Kingdom. This cover includes the cost of a standard transportation container but does not include the cost of an ornamental casket or urn and must be authorized by the Assistance Company. Alternatively We will pay the cost of burial abroad in the country where death occurs up to a maximum limit of £2,000.
5. If You sustain actual bodily injury or suffer illness outside the United Kingdom during the Period of Insurance resulting in admission to a hospital overseas as an in-patient We will pay You a daily benefit for each complete 24 hours You are hospitalised up to a maximum stated in the Schedule United Kingdom trips only If You sustain actual bodily injury or suffer illness whilst on a trip within the United Kingdom We will indemnify You up to £1,000 against expenses You necessarily incur inside the United Kingdom for cover operative in so far as paragraph 2, 3 and 4, (transportation of remains not burial) are concerned.

SPECIAL PROVISO TO SECTION B
In accepting the cover provided by Section B You have given Us or Our Assistance Company permission to approach Your United Kingdom General Practitioner for details of Your medical records in the event You require any form of in-patient treatment following a medical emergency whilst outside the United Kingdom.

SPECIFIC EXCLUSIONS APPLYING TO SECTION B
What is not covered:
1. expenses which You incur in Your normal country of residence (other than 2, 3 or 4 above for United Kingdom trips only)
2. any surgery or MRIS, CT scans or invasive procedure including but not restricted to cardiac catheterization or organ transplants unless pre-approved by the Assistance Company prior to it being performed.
3. any in-patient hospital treatment or treatment costs in excess of £250 or additional travelling expenses not specifically authorised by Us or Our Assistance Company.
4. any expense which You incur more than twelve months after the occurrence of the injury or illness to which the claim refers
5. any expense which is not usual, reasonable or customary for the medical services and/or supply
6. any expense for non-essential or ongoing treatment or where treatment can be reasonably delayed until You are returned to the United Kingdom or for the cost of a single bed ward unless authorized by the Assistance Company detailed below for medical reasons only or for the service of a chiropractor, chiropodist or osteopath or for non-medical costs
7. any private medical treatment carried out in countries operating a reciprocal health care agreement with the UK unless specifically authorised by Our 24 Hour Medical Assistance Company and only in circumstances where a transfer to a public hospital is impossible. (see also the Specific Exclusions applying to Sections A, B and C detailed below)

SECTION C – PERSONAL ACCIDENT
What is covered:
If You sustain bodily injury caused solely by accidental, violent, external and visible means and such bodily injury solely and directly results within twelve months in Your death or disablement, We will pay to You the benefits shown in the Schedule in accordance with the following items:
Item 1 - Death
Item 2 - Permanent loss by physical severance of hand or foot at or above the wrist or ankle or the total and permanent loss of use of an entire hand or arm or of an entire foot or leg or total and irrecoverable loss of all sight in one or both eyes
Item 3 - Permanent total disablement resulting in Your permanent and absolute inability to attend to any profession, business or gainful occupation of any and every kind
Provided that:
(1) if You are under 16 years of age the benefit under Item 1 is limited to £1,500
(2) if You are aged 65 years or over Item 1 is limited to £1,500 and no compensation will be payable under items 2 or 3.

SPECIFIC EXCLUSIONS APPLYING TO SECTION C
What is not covered:
No compensation will be payable:
1. under more than one of items 1, 2 or 3 and on payment of a claim under any one of these items all liability under this Section will cease in so far as You are concerned
2. in respect of claims arising from pregnancy or any medical treatment or illness or disease. (see also the Specific Exclusions applying to Sections A, B and C detailed below)

EXCLUSIONS APPLYING TO SECTION A, B & C
What is not covered:
Claims arising from:
1. All pre-existing medical conditions or if You awaiting or undergoing treatment or You are undergoing or awaiting any medical investigations or consultation with a specialist or awaiting diagnosis or test results or treatment (please refer to the Medical Declaration )
2. Travel arrangements made or undertaken:
(i) against the advice of any Registered Medical Practitioner
(ii) for the purpose of obtaining medical treatment abroad
3. Your intentional self-injury or suicide or attempted suicide or wilful exposure to needless risk (except in the attempt to save a human life)
4. the influence of intoxicating liquor or of a drug or drugs (unless prescribed by a Registered Medical Practitioner), or substance or solvent abuse or venereal disease
5. emotional, psychological or psychiatric disorder, or whilst suffering from any condition of anxiety, stress or depression unless same results in admission to a hospital as an in-patient and is not a pre-existing condition (please refer to the Medical Declaration)
6. You engaging in any Hazardous Pursuits (unless declared to and accepted by Us)
7. Claims arising from pregnancy where the period of the trip terminates less than 16 weeks before the date of delivery as estimated by a Hospital or Registered Medical Practitioner. However where the insurance has been effected prior to confirmation of the pregnancy by such Hospital or Registered Medical practitioner and in the event of You effecting immediate cancellation of the trip upon receipt of such confirmation We will indemnify You under Section A.

SECTION D – TRAVEL DELAY & MISSED DEPARTURE
What is covered:
1. If as a direct result of the outbreak of Strike or Industrial Action or weather conditions affecting scheduled public transport which has been the subject of Advanced Booking by You, or mechanical or electrical breakdown of motor transport or train or aircraft or watercraft which has been the subject of Advanced Booking by You occurring after the date of commencement of cover, the departure time of the Outward Journey or Return Journey takes place more than 12 hours after the departure time appearing on Your ticket, We will indemnify You as shown below:
(i) Delay Compensation - An amount as stated in the Schedule
(ii) Cancellation Compensation - If You elect to cancel the Outward Journey after a delay exceeding 24 hours as described above We will indemnify You in respect of irrecoverable travel or accommodation deposits or charges paid or contracted to be paid under Section A
2. If You miss Your booked departure due to late arrival at the point of international departure caused by accident or electrical or mechanical breakdown to the conveyance in which You are travelling, or to exceptional and unforeseeable traffic conditions, in the course of:-
(a) Your direct journey to the point of international departure immediately prior to commencement of the Outward Journey from the United Kingdom, or
(b) Your direct journey to the point of international departure immediately prior to commencement of the Return Journey to the United Kingdom We will pay up to the limit stated in the Schedule for additional travel charges which You necessarily and reasonably incur in the purchase of a ticket for an alternative journey.
Provided that:
1. any payment We make in respect of 1 (i) above for delays in the Outward Journey will be deducted from any subsequent payment made under 1 (ii)
2. in respect of 1 above You must check-in according to the itinerary provided by the Tour Operator or Carrier, and obtain written confirmation of the delay from such Tour Operator or Carrier
3. compensation as described in 1 (ii) above is only payable in respect of delays on the Outward Journey from the United Kingdom
4. You must produce independent evidence in writing to support any claim
5. Our limit of liability under 1 (ii) will not exceed the amount stated in the Schedule for Section A Cancellation
6. in respect of 2 above You must take all reasonable steps to arrive at the departure point at or before the recommended check in time and have allowed sufficient time for Your journey.

SPECIFIC EXCLUSIONS APPLYING TO SECTION D
What is not covered:
1. circumstances which could reasonably have been anticipated at the date this insurance was effected
2. withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country
3. any Excess shown in the Schedule for item 1 (ii).

SECTION E – PERSONAL POSSESSIONS
What is covered:
We will indemnify You
1. For loss of or theft of or damage to Personal Possessions belonging to You up to the amount stated in the Schedule (no single article being insured for more than the limit shown. A camera or camcorder with all accessories, a bracelet or necklet with any attachment and any similar set or pair of items will be considered as one article).
2. For loss of or theft of or damage to Sports Equipment belonging to You up to the amount stated in the Schedule (no single article being insured for more than the limit shown).
3. The cost of necessary purchase of replacement clothing and toiletries if You are temporarily deprived of Your Personal Possessions on the Outward Journey for a period of more than 12 hours from the time of arrival at Your destination due to their delay or misdirection in delivery up to the amount stated in the Schedule under Delayed Baggage.
Provided that:
1. You take all reasonable precautions for the safety of the property insured.
2. Our liability in respect of Valuables is limited to a total amount shown in the schedule.
3. any claims payment made in respect of temporary deprivation of Personal Possessions will be deducted from any subsequent claim where the property insured proves to be permanently lost. You must keep receipts for all replacement purchases
4. You must supply at Your own expense a Statutory Declaration regarding any claim arising under this section of the Policy if We so require

EXTENSION TO SECTION E BUSINESS EQUIPMENT
Provided You have paid the appropriate additional premium all reference to Personal Possessions herein shall be extended to include Business Equipment carried by You.

SPECIFIC EXCLUSIONS APPLYING TO SECTION E
What is not covered:
1. loss or damage arising from wear and tear or depreciation or deterioration or any process of cleaning or repairing or restoring or atmospheric or climatic conditions or moth or vermin or electrical or mechanical breakdown or derangement
2. loss of or theft of or damage to contact or corneal lenses, prescription or sunglasses over £75 in value, dentures, hearing aids, mobile telephones, samples or merchandise or property used in connection with Your business or trade, bonds, coupons, securities, stamps or documents of any kind, vehicles or accessories, antiques, pictures, Sports Equipment whilst in use, boats and/or ancillary equipment including windsurfing equipment and sailboards, caravan awnings, glass, china or any other articles of a brittle or fragile nature
3. loss of or damage to property shipped as freight or under a bill of lading (see also the Specific Exclusions applying to Sections E, F and G detailed below)

SECTION F - MONEY
What is covered:
We will indemnify You up to the amount stated in the Schedule in respect of accidental loss or theft of Money whilst on Your person or whilst in a safety deposit box within a hotel or bank or whilst in Your securely locked accommodation under Your control.
Provided that:
1. You take all reasonable precautions for the safety of the property insured
2. You must supply at Your own expense a Statutory Declaration regarding any claim arising under this section of the Policy if so required
3. Our limit of liability in respect of cash being carried on any one person is £250 (for persons aged under 16 years the loss of cash limit is £125)

SPECIFIC EXCLUSIONS APPLYING TO SECTION F
What is not covered:
1. shortages of Money due to error or omission or depreciation in value or currency transfers costs (see also the Specific Exclusions applying to Sections E, F and G below)

SECTION G – PASSPORT, TICKETS & DOCUMENTS
What is covered:
We will indemnify You up to the amount stated in the Schedule for
(a) the reasonable costs in obtaining a replacement passport (or travel document) to enable You to return to the United Kingdom following the accidental loss or theft of Your Passport whilst outside the United Kingdom
(b) the irrecoverable costs of travel tickets, green card, petrol coupons, driving licence or phone cards following accidental loss or theft

EXCLUSIONS APPLYING TO SECTIONS E, F & G
What is not covered:
1. loss due to delay, detention, confiscation, requisition or damage by Customs or other Officials or Authorities
2. loss or theft unless:
(a) You have reported the loss or theft to the nearest Police authority within 24 hours of discovery and
(b) You have obtained a written Police report 3. loss of or theft of
(a) Valuables, Passports or Money from an Unattended vehicle at any time.
(b) Other property insured from an Unattended motor vehicle unless the vehicle was securely closed and locked, and such property placed out of sight in the locked boot or in a locked compartment within the vehicle, but in any event excluding all property insured whilst left in an Unattended motor vehicle between 2000 hours and 0800 hours local time, other than motor homes or caravans which are being occupied by You as Your holiday accommodation.
4. theft of property left Unattended other than as provided above or whilst in Your securely locked accommodation.
5. loss of or theft of Valuables or Money whilst in a suitcase or holdall or bag or similar receptacle outside Your immediate control.

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