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DEFINITIONS APPLICABLE TO THE WHOLE POLICY
Whenever the following words appear in this policy they will always have these meanings:
- Accidental Bodily Injury: A sudden, violent, external, unexpected specific event, which occurs at an identifiable time and place, which solely and independently of any other cause results, within 12 months, in the death, Loss of Limb, Loss of Sight or the Permanent Total Disablement of an Insured Person.
- Carrier: A scheduled or chartered aircraft (excluding all non-pressurised single engine piston aircraft), land (excluding any hired motor vehicle) or water conveyance licensed to carry passengers for hire.
- Certificate: The validation page issued in respect of this policy which sets out the names of the Insured Persons, the Geographical Limits, the Period of Insurance and any other special conditions and terms.
- Close Relative: Spouse or Common Law Partner, parent , parent-in-law, step-parent, legal guardian, children (including legally adopted and step-children, and daughter/son-in-law), sibling (including step-siblings and sister/brother-in-law), grandparent, grandchild, or fiancé(e) of an Insured Person.
- Common Law Partner: The person living with the Insured Person as if husband or wife, including same sex partner, for at least six consecutive months at the commencement of the Period of Insurance.
- Curtailment: Abandonment of a planned Trip, after commencement of the outward journey, by return to Home earlier than on the scheduled return date.
- Family: The main Insured Person, his/her spouse or Common Law Partner, and/or their dependent children under 18 years of age (in full-time education and residing with them).
- Geographical Limits: The countries of the Zone for which You have paid the appropriate premium, as specified on the Certificate.
Cover applies door-to-door, so the appropriate benefits (unless stated otherwise) apply within Your country of departure once You commence Your Trip, and during Your return journey to Your Home.
You will be covered when travelling by recognised public transport between countries, but not if You are being paid to crew a private motor or sailing vessel or are travelling by private plane.
- Zone 1: Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark (including Faeroe Islands), Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece (including Greek Isles), Hungary, Iceland, Ireland, Italy (including Aeolian Islands, Sardinia, Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Netherlands, Norway (including Jan Mayen, Svalbard Is), Poland, Portugal (including Azores, Madeira Islands), Romania, Russia (European), San Marino, Serbia/Montenegro (including Kosovo), Slovakia, Slovenia, Spain (including Balearic Islands, Canary Islands), Sweden, Switzerland, Turkey, Ukraine, United Kingdom (including England, Scotland, Wales, Northern Ireland, Channel Islands, Hebrides, Isle of Man, Isle of Wight, Orkney Is, Shetland Is) and Vatican City.
- Zone 2: Australia & New Zealand
- Zone 3: All countries worldwide, excluding the United States and Canada.
- Zone 4: All countries worldwide.
- Golf Equipment: Golf clubs, golf bag, non motorised golf trolley and golf shoes.
- Home: Your principal place of residence in the UK Area, used for domestic purposes, and including garage(s) and other outbuilding(s).
- Insured Person or You/Your: Each person named on the Certificate and for whom the appropriate premium has been paid, resident in the UK Area, and at the commencement of the Period of Insurance being not more than 80 years of age for Single Trip policies, 75 years of age for Zone 1 or 65 years of age for Zone 2, 3 and 4 for Annual-Multi-Trip policies, 49 years of age for Backpacker policies.
- Limits of Cover: Unless stated to the contrary, Our maximum liability in any one Period of Insurance is limited to the amount stated in each Section, per Insured Person.
- Loss of Limb: Loss by physical severance, or the total and irrecoverable permanent loss of use or function of, an arm at or above the wrist joint, or a leg at or above the ankle joint.
- Loss of Sight: Total and irrecoverable loss of sight in one or both eye(s); this is considered to have occurred if the degree of sight remaining after correction is 3/60 or less on the Snellen scale. (This means being able to see at 3 feet or less what You should see at 60 feet.)
- Manual Work: Work involving hands-on involvement with the installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant, (other than in a purely managerial/supervisory, sales or administrative capacity), or the undertaking of any trade of plumber, electrician, lighting or sound technician, carpenter, painter/decorator or builder, or manual labour of any kind (other than in the catering industry). Cover for Manual Work will be provided where such work is solely in a voluntary capacity, and where there is no financial gain. In such circumstances, there will be no cover for hands-on involvement with the installation, assembly, maintenance, repair or use of heavy electrical, mechanical or hydraulic plant or machinery, or for working more than 3 meters above the ground, and cover for Personal Accident and Personal Liability is excluded. In the event of an injury occurring as a result of voluntary labour, the Policy Excess under Section 2 (Medical Emergency & Repatriation) will be increased to £250.
- Material Fact: A fact likely to influence the acceptance or assessment of this insurance by Underwriters. If in doubt as to what constitutes a Material Fact, please contact Us.
- Medical Condition: Any medical or psychological disease, sickness, condition, illness or injury that has affected You or any Close Relative, travelling companion or person with whom You intend to stay whilst on Your Trip.
- Medical Health Declaration: Medical information that needs to be declared to Us before each Period of Insurance by any Insured Person who has suffered from a Pre-existing Medical Condition.
- Medical Practitioner: A legally licensed member of the medical profession, recognised by the law of the country where treatment is provided and who, in rendering such treatment is practising within the scope of his/her licence and training, and who is not related to You or any travelling companion.
- Money: Sterling and foreign currency and travellers cheques.
- Pair or Set: A number of items of Personal Luggage considered as being similar or complementary to one another or used together.
- Period of Insurance: The period shown on the Certificate. Subject to:
- Single Trip policies: Cancellation cover starts when You purchase this insurance or when You book Your Trip, whichever is the later. Cover for all other Sections applies for the duration of Your Trip, as stated on the Certificate, provided it does not exceed a maximum of 91 consecutive days and for which You have paid the appropriate premium.
- Annual Multi-trip policies: Cover applies as for Single Trip policies however, the Period of Insurance is for 12 months during which You are covered for each Trip You book and undertake within that period, on condition that:
- each Trip does not exceed a maximum of 31 consecutive days.
- irrespective of the number of individual Trips You undertake in each Period of Insurance, the maximum number of days You can spend abroad must not exceed 183.
- Trips solely within the UK Area are only insured if You have pre-booked at least five consecutive nights paid accommodation.
- Backpacker policies: Cover applies as for Single Trip policies for one trip of up to 18 months in duration. You can return to the United Kingdom during this period of insurance, however cover is not valid whilst in the United Kingdom and for the subsequent outward bound journey until you resume your trip and arrive at your foreign destination. All cover will cease if a claim is made under section 6 (Cancellation, Curtailment & Trip Interruption).
- Note: Travelling or intending to travel in excess of the Trip limits will invalidate any claims relating to that particular Trip.
There is no cover under the Cancellation Section of this policy outside the Period of Insurance. However, if during the Period of Insurance You book a Trip with a start date after the expiry of Your Annual Multi-trip policy then Cancellation cover will continue for that Trip provided You renew this policy on or before its expiry date and there is no gap in cover.
Legal advice and the Homecall assistance service continue to apply for up to 7 days after You return Home.
- Permanent Total Disablement: Permanent Total Disablement which, having lasted for a period of at least 12 consecutive months from the date of occurrence will, in the opinion of Our Medical Officer, entirely prevent You from engaging in, or giving any attention to, any and every business or occupation for the remainder of Your life.
- Personal Luggage: Items usually carried or worn by travellers for their individual use during a Trip.
- Note 1: Items hired to You, and all items loaned or entrusted to You are excluded (other than skis and ski equipment where the appropriate Winter Sports premium has been paid).
- Note 2: This travel insurance is not intended to cover expensive items for which You should take out full ‘All Risks’ insurance.
- Policy Excess: The first amount per Insured Person, each and every incident, each and every section of cover.
- Note 1: In the event of an injury occurring as a result of voluntary Manual Work, the Policy Excess under Section 2 (Medical Emergency & Repatriation) will be increased to £250.
- Note 2: When You are engaging in certain Special Sports and Activities (as shown under the Optional Special Sports and Activities Section of this policy) the Policy Excess under Section 2 (Medical Emergency & Repatriation) will be increased to £250.
- Pre-existing Medical Condition:
- Any past or current Medical Condition that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow-up/check-up has been required or received during the 2 years prior to the commencement of cover under this policy and/or prior to any Trip: and
- any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to the commencement of cover under this policy and/or prior to any Trip.
- Secure Luggage Area: Any of the following, as and where appropriate:
- The locked dashboard, boot or luggage compartment of a motor vehicle.
- The locked luggage compartment of a hatchback vehicle fitted with a lid closing off the luggage area, or of an estate car with a fitted and engaged tray or roller blind cover behind the rear seats.
- The fixed storage units of a motorised or towed caravan.
- A locked luggage box, locked to a roof rack which is itself locked to the vehicle roof.
- Special Sports and Activities: The activities listed under the Optional Special Sports & Activities Cover Section of this policy.
- Strike or Industrial Action: Any form of Industrial Action, whether organised by a trade union or not, which is carried on with the intention of preventing, restricting or otherwise interfering with the production of goods or the provision of services.
- Travel Documents: Travel tickets, accommodation and other redeemable travel vouchers, Green Card, driving licences and passports.
- Trip: A journey within the countries of the Geographical Limits, during the Period of Insurance:
- Single Trip policies: the maximum number of days for which You have paid the appropriate premium; or
- Annual Multi-trip policies: a maximum of 31 consecutive days; or
- Backpacker policies: One trip of up to 18 months in duration depending on the premium you have paid.
- Note 1: (Annual Multi-trip policies only) If you are between 66 and 75 years old at the commencement of the Period of Insurance no cover is provided to travel to Zone 2, 3 or 4.
- Note 2: Travelling or intending to travel in excess of the Trip limits will invalidate any claims relating to that particular Trip.
- Note 3: Trips must commence and end in the UK Area and a return ticket must have been booked prior to departure.
- UK Area: Great Britain, Northern Ireland, the Isle of Man and the Channel Islands.
- Unattended: When You cannot see and are not close enough to Your property or vehicle to prevent unauthorised interference or theft of Your property or vehicle.
- Valuables: Cameras, photographic, and video equipment, and associated equipment of any kind; computer hardware and software; games consoles (Playstation, Gameboy, Nintendo, etc) accessories and games; personal organisers; mobile telephones; televisions; portable audio equipment (DVD, CD, mini-disc, MP3 players, i-pods, etc) and all associated discs and accessories; spectacles; prescription sunglasses, telescopes; binoculars; jewellery; watches; furs; leather articles; perfumes; precious stones and articles made of or containing gold, silver or other precious metals.
- We, Our or Us: Europ Assistance Holdings Ltd, Sussex House, Perrymount Road, Haywards Heath, West Sussex RH16 1DN.
- Winter Sports: The activities listed under the Optional Winter Sports Cover Section of this policy.
- You/Your: Each person named on the Certificate and for whom the appropriate premium has been paid, resident in the UK Area, and at the commencement of the Period of Insurance being not more than 80 years of age for Single Trip policies, 75 years of age for Zone 1 or 65 years of age for Zone 2, 3 and 4 for Annual Multi-Trip policies and 49 years of age for Backpacker policies.
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