Exclusions relating to your health.: 

1. You will not be covered for any directly or indirectly related claims (see note on page 9) arising from  the following if at the time of taking out this policy or booking your journey (whichever is later), you:
   a) are being prescribed regular medication.
   b) have received treatment for or had a consultation with a doctor or hospital specialist for any medical  condition in the past 6 months.
   c) are being referred to, treated by or under the care of a doctor or a hospital specialist. d) are awaiting treatment or the results of any tests or investigations .
   If we are unable to cover a medical condition, this will mean that any other person insured by us will not  be able to make a claim arising from the medical condition(s). This may even apply if the person with the  medical condition(s) purchases cover from another provider.
2. You will not be covered if you travel against the advice of a doctor or where you would have been if  you had sought their advice before beginning your journey. 
3. You will not be covered if you know you will need medical treatment or consultation at any medical  facility during your journey. 
4. You will not be covered for any directly or indirectly related claim if, before your journey, a doctor  diagnosed that you have a terminal condition. 
5. You will not be covered if you were waiting for medical treatment or consultation at any medical  facility or were under investigation for a medical condition when your policy was issued. 
6. You will not be covered if you are traveling specifically for the purpose of obtaining and / or receiving  any elective surgery, procedure or hospital treatment. 

Exclusions relating to the health of someone not insured on this policy, but whose health may affect your  decision whether to take or continue with your journey. 

You will not be covered for any directly or indirectly related claims (see note on page 9) arising from the  health of a travelling companion, someone you were going to stay with, a close relative or a business  associate if at the time your policy was issued:

• You were aware they have been receiving medical treatment or consultation at any medical  facility for a medical condition in the last 12 months. 
• You were aware they have been awaiting medical treatment or consultation at any medical  facility or have been under investigation for a medical condition. 
• You were aware that a doctor had diagnosed them as having a terminal condition, or that their  medical condition was likely to get worse in the next 12 months. 

Summary of Travel Extra and Travel Gold 

You were aware they have been receiving medical treatment or consultation at any medical facility for  a medical condition in the last 12 months.

Note

Child Personal accident limits
Children aged 16 years and under are only covered for 50% of benefits above excerpt Personal Accident benefits which is limited to 10%.

Inner limits
Some sections of covert also have extra sub limits, for example the personal possessions section has a limit on the amount we will pay for tobacco, alcohol, fragrances and perfumes.

Journey Limits (annual multi-trip cover only)
Annual multi-trip cover is for short trips of 90 days or less per trip only. There is absolutely no-covered offered by this policy whatsoever for trips which last longer than 90 days per tripe. This will include not insuring you for any part of a trip that is longer than 0 days in duration.

Summary of Travel Schengen 

The following is only a summary of the Travel Schengen cover limits. You should read the rest of this  policy for the full terms and conditions.

Note

Child Personal accident limits
Children aged 16 years and under are only covered for 50% of benefits above except Personal Accident benefits which is limited to 10%.

Inner limits
Some sections of cover also have extra sub limits, for example the personal possessions sections has a limit on the amount we will pay for tobacco, alcohol, fragrances and perfumes.

Journey Limits (annual multi-trip cover only)
Annual multi-trip cover is for short trips of 90 days or less per trip only. There is absolutely no covered offered by this policy whatsoever for trips which last longer than 90 days per trip. This will include not insuring you for any part of a trip that is longer than 0 days in duration.

Summary of Optional Extensions 

The following is only a summary of the ‘Optional Extensions’. You should read the rest of this policy for  the full terms and conditions.

Important information 

Thank you for taking out travel insurance with IN TRIP INTERNATIONAL TRAVEL INSURANCE. 

Your certificate of insurance shows the sections of the policy cover available, the people who are  covered and any special terms or conditions that may apply. Your policy does not cover everything. You  should read this policy carefully to make sure it provides the cover you need. If there is anything you do  not understand you should contact us.at info@intripinsurance.com 

Your travel insurance is underwritten by IN TRIP INTERNATIONAL TRAVEL INSURANCE. How your policy works 

Your policy and certificate of insurance is an agreement between you, RCP and us. We will pay for any  claim you make which is covered by this policy and happens during the period of insurance. Unless  specifically mentioned, the benefits and exclusions within each section apply to each person insured or  family in case of a family plan. Your policy does not cover all possible events and expenses. Certain words  have a special meaning as shown under the heading ‘Definition of words. These words have been  highlighted by the use of bold print throughout the policy document. 

Telling us about relevant facts 

At the time of taking out this insurance you must tell us about anything that may affect your cover, for  example: the health of a close relative who is not travelling with you, but whose health may affect your  journey or a travelling companion (see under the heading ‘Health declaration and health exclusions’ of  this policy); or your redundancy. If you are not sure whether something is relevant, you must tell us  anyway. You should keep a record of any extra information you give us. If you do not tell us about  something that may be relevant, your cover may be refused, and we may not cover any related claims. 

Cancellation Rights 

The premium you paid is non-refundable once the policy is issued. The insurance company shall however  review the refund request but cannot guarantee its execution. The insurance company will consider your  refund in case your travel visa request is rejected. In this case, please notify the issuing agent within 48  hours of receiving your rejected visa notification and return all your documents to them for a refund of  your premium. 

You should reach us at info@InTripinsurance.com 

The insurance company shall reject your refund request if

• You or any other insured person have travelled before submitting the cancellation request • You have made a claim or intend to make a claim 
• You have an annual multi-trip cover. 

Epidemic 

A contagious disease recognized by the World Health Organization (WHO) or an official government  authority in your country of residence or your trip destination. 

Pandemic 

An epidemic that is recognized as a pandemic by the World Health Organization (WHO) or an official  government authority in your country of residence or your trip destination. 

Quarantine 

Mandatory confinement of a maximum of 10 days, intended to stop the spread of a contagious disease  to which Insured Person has been exposed. 

Data Protection 

Information about your policy may be shared between us, RCP the reinsurers or members of IN TRIP Travel for underwriting purposes. You should understand that the sensitive health and other information  you provide will be used by us, our representatives (if appropriate), our reinsurers, other insurers and  industry governing bodies and regulators to process your policy, handle claims and prevent fraud. This  may involve transferring information to other countries (some of which may have limited, or no data  protection laws). We have taken steps to ensure your information is held securely. Your information will  not be shared with third parties for marketing purposes. You have the right to access your personal  records 

Governing Law 

This policy will be in English. The policy will be governed by the law of the Schengen member states Third Party Rights 

This policy is intended solely for the benefit of you and us. Unless otherwise specifically provided,  nothing in this policy shall be constructed to create any duty to, or standard of care with reference to, or  any liability to, any person or entity not a party to this policy 

You will not be covered for any directly or indirectly related claims (see note on page 9) arising from the  health of a travelling companion, someone you were going to stay with, a close relative or a business  associate if at the time your policy was issued:

• You were aware they have been receiving medical treatment or consultation at any medical  facility for a medical condition in the last 12 months. 
• You were aware they have been awaiting medical treatment or consultation at any medical  facility or have been under investigation for a medical condition. 
• You were aware that a doctor had diagnosed them as having a terminal condition, or that their  medical condition was likely to get worse in the next 12 months. 

Definition of Words 

When the following words and phrases appear in the policy document or certificate of insurance, they  have the meanings given below. These words are highlighted by the use of bold print. 

Accident 

An unexpected event caused by something external and visible, which results in physical bodily injury,  leading to total and permanent loss of sight, total and permanent loss of use of a limb or permanent  disablement or death, within a year of the incident. 

Area of Cover 

Worldwide including – United States of America, Canada and the Caribbean 

Worldwide excluding – United States of America, Canada and the Caribbean 

Schengen countries (including Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France,  Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway,  Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.) 

Beneficiary 

Beneficiary will be the legal heirs of the person insured. 

Business Associate 

Any person in your home country that you work closely with, whose absence from work means that the  director of your business needs you to cancel or curtail your journey. 

Certificate of Insurance 

The document issued by the insurer that is used to verify the existence of your Travel Insurance. Departure Point 

The airport where your journey from your home country to your destination begins and where the final  part of your journey back to your home country begins. 

Doctor

A legally qualified doctor holding the necessary certification in the country in which they are currently  practising, other than you or a close relative. 

Emergency 

Medical condition resulting from sickness or accident and requiring emergency hospital admission, and  for which delay in treatment beyond the next official working day could reasonably be expected to result  in significant and permanent impairment to the life, health, bodily functions and or organ of the person  insured. 

Excess 

The deduction we will make from the amount otherwise payable under this policy for each insured  person, for each section, for each claim incident. 

Family 

Two adults aged 65 and under and up to 8 of their children (including stepchildren and foster children)  aged 16 and under (21 and under if they are in full time education) when the appropriate premium has  been paid. All persons must live at the same address and be travelling together. All ages referred to are  

at the date of travel. For annual multi-trip policies only the policyholder or their spouse shall be covered  under the policy when travelling alone. Single parent families are also covered under family plans. 

Hazardous activity 

The following activities are automatically covered: 

Abseiling, archery, athletics, ballooning – hot air (organised pleasure rides only), banana boating, bungee  jumping, canoeing (up to grade 2 rivers only not white water), climbing wall, cricket, deep sea fishing,  football or soccer (children’s club in res ort only), glacier walking, golf, high rope activities, hiking  (trekking and walking), hockey (under 16’s using plastic sticks), horse riding (not competitions, racing,  jumping, hunting, eventing, polo or rodeo), hot air ballooning (organised pleasure rides only), ice skating  or blade skating (not speed skating), kayaking (up to grade 2 rivers only, not white water), mountain  biking, parascending or parasailing (over water), pony trekking, rap jumping, ringos, roller skating or  roller blading (wearing pads and helmets), rowing, sail boarding or windsurfing, safari trekking in a  vehicle (organised tour), safari trekking on foot (organised tour), scuba diving to 30m, sledging (pulled by  dogs or horses or reindeer as a passenger), snorkelling, surfing, tug of war, volley ball, wake-boarding,  water polo, water-skiing, white water rafting (up to grade 3 river), windsurfing or sail boarding,  ziptrekking (including over snow), zorbing. 

There is no cover for: 

• any professional sporting activity; or 
• any kind of racing except racing on foot; or
• any kind of manual work. 

We may be able to cover you for other activities that are not listed. Please contact us at  info@intripinsurance.com 

Home 

Your usual place of residence where you live. 

Insurer 

www.In Tripinsurance.eu 

Journey 

A trip that takes place during the period of insurance which begins when you leave home or place of  work (whichever is later ) and ends when you get back home , to a hospital or nursing home , to a  hospital or nursing home or place of work in your home country . whichever is earlier. 

For single trip cover 

You will only be covered if you are aged 75 or under at the date your policy was issued. Trips within your  home country are not covered. 

Any other trip which begins after you get back is not covered. 

A trip which is booked to last longer than 90 days is not covered. 

For annual multi-trip cover 

You will only be covered if you are aged 75 or under at the start date of your policy. Cover is for short trips of 90 days or less per trip only. There is absolutely no cover offered by this policy  whatsoever for trips which are longer than the 90 days per trip. This would include not insuring you for  any part of a trip that is booked to last longer than 90 days in duration, unless we agree otherwise in  writing. 

Trips within your home country are not covered. 

you will be covered for taking part in winter sports activities for up to 17 days in total during the period  of insurance when the appropriate extra premium has been paid and you are under the age of 65 years  old. 

Medically Necessary 

A service or treatment which is appropriate and consistent with diagnosis and which, in accordance with  generally accepted medical standards, could not have been omitted without adversely affecting the  person insured’s condition or the quality of medical care rendered.

Pair or set 

A number of items of personal possessions (not including Ski Equipment) that belong together or can be  used together. 

Period of insurance 

For single trip cover 

Cancellation cover begins from the issue date shown on your certificate of insurance and ends at the  beginning of 

your journey. The cover for all other sections starts at the beginning of your journey and finishes at the  end of your journey 

or at the expiry of your policy, whichever is earlier. For annual multi-trip cover 

Cancellation cover begins on the start date shown on your certificate of insurance or the date you  booked your journey, whichever is the later and ends at the beginning of your journey. The cover for all  other sections starts at the beginning of your journey and finishes at the end of your journey or at the  expiry of your policy, whichever is earlier. 

For single trip and annual multi-trip cover 

All cover ends on the expiry date shown on your certificate of insurance, unless you cannot finish your  journey as planned because of death, injury or illness or there is a delay to the public transport system  that cannot be avoided. In these circumstances, we will extend cover free of charge until you can  reasonably finish that journey. 

Personal possessions 

Each of your suitcases, trunks and similar containers (including their contents) and articles worn or  carried by hand (including your valuables). 

Pre- Existing medical condition 

A pre-existing condition means: 

An ongoing medical or dental treatment or dental condition which you are aware or related complication  you have, or the symptoms of which you are aware 

A medical or dental condition that is currently being, or has been investigated, or treated by a health  professional (including dentist and chiropractor) prior to policy issuance. 

Any condition for which you take prescribed medicine or see a medical specialist. Any condition for which you have had surgery. 

Close relative or family member 

Your mother (in-law), father (in-law), step parent (in-law), sister (in-law), brother (in-law), wife, husband, 

fiance, partner, son (in-law), daughter (in-law), step child, foster child, grandparent or grandchild, uncle,  aunt, step brother, step sister. 

Resident 

A person who is a Citizen or who has Resident Status 

Single parent families 

One adult aged 69 and under and your children (including step children and foster children) aged 16 and  under when the appropriate premium has been paid. All persons must live at the same address and be  travelling together. All ages referred to are at the date of travel. 

Ski equipment 

This consists of skis, poles, boots, bindings, snowboards or ice skates. 

Ski pack 

Hired ski equipment, ski school fees and lift passes. 

Travelling companion 

Any person that has booked to travel with you on your journey. 

Terrorism I Act of Terrorism 

Terrorism is a loss, damage, cost or expense of whatsoever nature directly or indirectly caused by,  resulting from or in connection with any act of terrorism regardless of any other cause or event  contributing concurrently or in any other sequence to the loss. An act of terrorism means an act,  including but not limited to the use of force or violence and/or the threat thereof, of any person or  group(s) of persons, whether acting alone or on behalf or in connection with any organization(s) or  government(s), committed for political, religious, ideological or similar purposes including the intention  to influence any government and/or to put the public, or any section of the public in fear. 

Valuables 

Jewelry, watches, items made of or containing precious metals or semi/precious stones, furs, binoculars,  telescopes, computer games, any kind of photographic, audio, video, computer, laptop, television, fax  and phone equipment (including mobile phones), MP3 players, PDAs, electronic games, TVs and CDs,  mini discs, DVDs, cartridges, video and audio tapes. 

We, our, us 

IN TRIP Travel which administers the insurance on behalf of the insurer. 

You, your, insured persons 

Each person shown on the certificate of insurance for whom the appropriate premium has been paid.

24-hour emergency medical assistance 

Please tell us immediately about any serious illness or accident abroad where you have to go into  hospital or you may have to return home early or extend your stay because of any illness or injury. If you  are unable to do this because the condition is life, limb, sight or organ threatening, you should contact us  as soon as you can. You must also tell us if your medical expenses are over US$250. If you are claiming  for a minor illness or accident you should, where possible, pay the costs and reclaim the money from us  when you return. You can call 24 hours a day 365 days a year or email. 

info@intripinsurance.com 

Please give us your name, age and your policy number. Say that you are insured with Alliance. Below are  some of the ways the 24-hour emergency medical assistance service can help. 

Confirmation of payment 

We will contact hospitals or doctors abroad and guarantee to pay their fees, providing you have a valid  claim. 

Repatriation 

If our medical advisers think it would be in your medical interests to bring you back to your home or to a  hospital or nursing home in your home country, you will normally be transferred by regular airline or  road ambulance. Where medically necessary in very serious or urgent cases, we will use an air  ambulance. We will consult the treating doctor and our medical advisers first. If you need to go home  early, the treating doctor must provide a certificate confirming that you are fit to travel. Without this the  airline can refuse to carry any sick or injured person. 

You can contact us at any time day or night. You will be answered by one of our experienced assistance  co-ordinators who you should give all relevant information to. Please make sure you have details of your  policy before you phone. 

Health declaration and health exclusions 

Exclusions relating to your health 

1. You will not be covered for any directly or indirectly related claims (see note below) arising from  the following if at the time of taking out this policy or booking your journey (whichever is later), you:
   a) are being prescribed regular medication;
   b) have received treatment for or had a consultation with a doctor or hospital specialist for any medical  condition in the past 6 months;
   c) are being referred to, treated by or under the care of a doctor or a hospital specialist; d) are awaiting  treatment or the results of any tests or investigations;
   If we are unable to cover a medical condition, this will mean that any other person insured by us will not  be able to make a claim arising from the medical condition(s). This may even apply if the person with the  medical condition(s) purchases cover from another provider.
2. You will not be covered if you travel against the advice of a doctor or where you would have  been if you had sought their advice before beginning your journey. 
3. You will not be covered if you know you will need medical treatment or consultation at any  medical facility during your journey. 
4. You will not be covered for any directly or indirectly related claim if, before your journey, a  doctor diagnosed that you have a terminal condition. 
5. You will not be covered if you were waiting for medical treatment or consultation at any medical  facility or were under investigation for a medical condition when your policy was issued. 
6. You will not be covered if you are traveling specifically for the purpose of obtaining and / or  receiving any elective surgery, procedure or hospital treatment. 

Exclusions relating to the health of someone not insured on this policy, but whose health may affect your  decision whether to take or continue with your journey. 

You will not be covered for any directly or indirectly related claims (see note below) arising from the  health of a travelling companion, someone you were going to stay with, a close relative or a business  associate if at the time your policy was issued: 

1. you were aware they have been receiving medical treatment or consultation at any medical  facility for a medical condition in the last 12 months; 
2. you were aware they have been awaiting medical treatment or consultation at any medical  facility or have been under investigation for a medical condition; 
3. you were aware that a doctor had diagnosed them as having a terminal condition, or that  their medical condition was likely to get worse in the next 12 months.

General Exclusions 

The following exclusions apply to the whole of your policy: 

We will not cover you for any claim arising from, or consisting of, the following: 1. A relevant fact that you knew about before you travelled, unless we agreed to it in writing. 

1. War, invasion, act of foreign enemy, hostilities (whether war is declared or not) civil war, civil  commotion, rebellion, revolution, insurrection, military force, coup d’état, terrorism, weapons of mass destruction.
2. Terrorism as defined in “Definition of Words”, unless Terrorism Extension has been purchased  and stated in your certificate of insurance.
3. Any epidemic or pandemic except as expressly covered under Emergency Medical/Dental  Coverage 
4. You not following any suggestions or recommendations made by any government or other  official authority including the foreign commonwealth Office (FCO) during the period of insurance.
5. Your property being held, taken, destroyed or damaged under the order of any government or  customs officials. 
6. Ionizing, radiation or radioactive contamination from nuclear fuel or nuclear waste or any risk  from nuclear equipment. 
7. Any currency exchange rate changes. 
8. The failure or fear of failure or inability of any equipment or any computer program, whether or  not you own it, to recognize or to correctly interpret or process any date as the true or correct date, or to continue to function correctly  beyond that date ( except under the Emergency medical and associated expenses and Personal accident sections). 10. You acting in an illegal or malicious way.
9. The effect of your alcohol, solvent or drug dependency or long term abuse. 
10. You being under the influence of alcohol, solvents or drugs, or doing anything as a result of using  these substances (except drugs prescribed by a doctor but not for the treatment of drug addiction).
11. You not enjoying your journey or not wanting to travel. 
12. Any loss caused as a direct or indirect result of anything you are claiming for, for example loss of  earnings, unless it says differently in the policy.
13. You taking part in a sports or leisure activity that is not listed or confirmed in writing as covered  (see page 11). 
14. You taking part in a winter sport unless you have paid the extra premium to include this cover  and the activity is listed or confirmed in writing as covered (see page 11)
15. Claims relating to pregnancy or childbirth, where the pregnancy is more than 24 weeks at the  beginning of your journey. 

Conditions 

The following conditions apply to the whole of your policy. Please read these carefully as we can only pay  your claim if you meet 

these: 

• You are a resident of the United Arab Emirates. 
• You have paid the appropriate premium for the area of cover you are intending to travel. 
• You take reasonable care to protect yourself and your property against accident, injury, loss  and damage and act as if you 

are not covered by this policy and to minimise any potential claim.

• You have a valid certificate of insurance. 
• You accept that we will not extend the period of insurance if the original policy plus any  extensions have either ended, been 

in force for longer than 90 days, or you know you will be making a claim. 

• You contact us as soon as possible, but within 30 days of your return home, with full details of  anything that may result in a 

claim and give us all the information we ask for. Your claim will be considered declined if you do not  notify us of your intention 

to claim within 30 days of your return home. Please see section ‘Making a claim’ for more information. 

• You accept that no alterations to the terms and conditions of the policy apply, unless we  confirm them in writing to you. 
• You are not aged 75 or over at the date your policy was issued. 

We have the right to do the following 

1. Cancel the policy if you do not tell us about a relevant fact or if you tell us something that is not  true, which influences our decision as to whether cover can be offered or not. Depending on the circumstances we may report the  matter to the police.
2. Cancel the policy and make no payment if you, or anyone acting for you, make a claim under this  policy knowing it to be dishonest, intentionally exaggerated or fraudulent in any way, or if you  give any false declaration, deliberate mis-statement or fail to provide any relevant facts when  applying for this insurance or supporting your claim. We may in these instances report the  matter to the police. 
3. Only cover you for the whole of your journey and not issue a policy if you have started your  journey. 
4. Take over and deal with, in your name, any claim you make under this policy. 
5. Take legal action in your name (but at our expense) and ask you to give us details and fill in any,  which will help us to recover any payment we have made under this policy. 
6. With your permission, get information from your medical records to help us or our  representatives deal with any claims. This could include a request for you to be medical  examined for a post mortem to be carried out in the event of your death. We will not give  personal information about you to any other organization without your specific agreement.
7. Send you home at any time during your journey if you are taken ill or injured. We will only do  this if the doctor treating you and our medical advisers agree. If there is a dispute, we will ask for  an independent medical opinion. 
8. Not accept liability for costs incurred for repatriation or treatment if you refuse to follow advice  from the treating doctor and our medical advisers. 
9. Not refund or transfer your premium if you decide to cancel the policy. 
10. Not to pay any claim on this policy (except under the Personal accident section) for any amounts  covered by another insurance or by anyone or anywhere else, for example any amounts you can  get back from private health insurance, any reciprocal health agreements, transport or  accommodation provider, home contents insurer or any other claim amount recovered by you.  In these circumstances we will only pay our share of the claim. 
11. If you cancel or cut short your journey all cover provided on your policy will be cancelled without  refunding your premium. 
12. Ask you to pay us back any amounts that we have paid to you which are not covered by this  policy. 

Sanctions 

IN TRIP Partners cannot pay any claim or provide any benefit to the extent that the payment of such  claim or provision of such benefit would expose IN TRIP Partners to any sanction, prohibition or  restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of  the European Union or United States of America. We are unfortunately therefore unable to accept any  claims relating to treatment in geographical locations that are subject to current applicable sanctions  laws or where the claimant has provided us with a claims or residency address in geographical locations  that are subject to current applicable sanctions laws, as to do so would contravene currently enforced  economic sanctions Regulation. 

Sports and Leisure activities 

The following activities are not covered. 

IN TRIP Travel Sports and leisure activities 

Abseiling, archery, athletics, ballooning – hot air (organised pleasure rides only), banana boating,  baseball, basketball, bungee jumping (once only), canoeing (up to grade 2 rivers only not white water),  climbing wall, cricket, cycling (nonprofessional and not main mode of transport), cycle touring (no more  than 16 days), deep sea fishing, football or soccer (children’s club in resort only), Frisbee, golf, high rope  activities, high diving (platform only and up to 10 meters), hiking or trekking or walking (up to 15 miles a  day and up to 4,000m), hockey (under 16’s using plastic sticks), hot air ballooning (organised pleasure  rides only), kayaking (up to grade 3 rivers only, not white water), marathon running or triathlon 

(nonprofessional), mountain biking (on road), parascending or parasailing (over water), pony trekking,  rap jumping, ringos, roller skating or roller blading (wearing pads and helmets), rowing, safari trekking in  a vehicle (organised tour up to 16 days), safari trekking on foot (organised tour up to 16 days), sand dune  boarding or surfing or skiing, scuba diving to 30m, sea canoeing or kayaking (close to shoreline only),  skateboarding, sledging or sleighing (pulled by dogs or horses or reindeer as a passenger), snorkeling,  surfing, tug of war, volley ball, wake-boarding (no cover for ramps, kickers and sliders), water-skiing (no  cover for jumping), white water rafting (up to grade 3 river), zip-trekking (including over snow) and  zorbing. 

The following activities are also not covered, 

Camel riding, catamaran sailing (if qualified), clay pigeon shooting, dinghy sailing, elephant riding or  trekking, go karting, horse riding or trekking (not competitions, racing, show-jumping, jumping, hunting,  eventing, polo or rodeo), jet boating or shotover jetting, jet skiing, motor cycling (up to 125cc and not  main mode of transport), paint balling (wearing eye protection), quad biking (off road only), rifle range  shooting, sailing or sail boarding or windsurfing (if qualified and in territorial waters only), shooting and  yachting (if qualified in inland territorial waters within 12 mile limit). 

The following activities are only covered when the additional premium has been paid and you are under  the age of 65 years old. 

Bamboo rafting or boating, boogie boarding, caving or pot holing (with qualified or experienced guide)  dry slope skiing, hiking or trekking or walking (over 15 miles a day and between <4,000m and >5,450m),  hockey, kite surfing, kite skiing and street hockey (wearing pads and helmets) lacrosse, mountain biking  (off road), parachuting, paragliding, shark diving (inside cage), water polo, weightlifting and white water  rafting (grade 4 – 5 river). 

The following activities are also covered provided the additional premium has been paid and you are  under the age of65yearsoldhowever,coverunder‘Section9-Personalliability’doesnotapply; 

Kite buggying (no personal accident cover) and martial arts training (no competition). 

‘Category X’ sports and leisure activities 

Your policy does not provide any cover for the following activities. 

Base jumping, black water rafting, bouldering, boxing, bungee jumping (more than once), canyoning,  cave tubing or cave diving, flying (except passengers in licensed passenger carrying aircraft), free  mountaineering, gliding (no cover for crewing or piloting), high diving (platform only and over 10  meters), hiking or trekking or walking (above 5,450m), hunting (fox or drag), hydrospeeding, kayaking  (above grade 3 rivers), micro lighting, motor rallying or motor sport (all types on land or water),  motorbike scrambling or dirt biking (and any other off road motorbiking), mountaineering (using ropes  or guides), overland expeditions, parapenting, parascending or parasailing (over land), riding on a luge,  river bugging or tubing or boarding, rodeo, rugby, scuba diving deeper than 30m, shark diving (without  cage), sky diving or sky surfing, white water canoeing, white water sledging or hydrospeeding and white  water rafting (above grade 5 river),

There is also no cover for: 

• taking part in a sporting activity where the organisers guidelines have not been followed; • – any professional sporting activity; 
• any kind of racing, except racing on foot; or 
• any kind of manual work. 

We may be able to cover you for other activities that are not listed. Please contact us at  info@intripinsurance.com. 

If you have chosen to include winter sports cover and this is shown on your certificate of insurance, the  following 

activities are automatically covered provided you are under the age of 65 years old: 

Big-foot skiing, cross-country skiing (on recognised tracks only), bobsleigh or luge, ice skating or blade  skating (not speed skating), glacier skiing or hiking or trekking or walking, heli skiing or boarding,  monoskiing, off-piste skiing or snowboarding (as long as you are skiing within the ski area boundaries of  a recognised ski resort and following ski patrol guidelines), ), skiing (including on dry slopes and indoor  ski centers), sledging, snow blading, snowboarding, snow mobiles or skidoos, snow shoeing, snow  tubing, and tobogganing. 

Your policy does not provide any cover for the following activities . 

Cat-skiing, ice climbing, skeleton sledding, ski acrobatics, ski-flying, ski jumping, ski mountaineering  (using ropes or guides), ski 

racing, ski stunting or snowcat skiing, snow kiting. 

There is also no cover for: 

• taking part in a winter sports activity where the organisers guidelines have not been followed; • – Any professional winter sports activity; or 
• Any kind of racing. 

We may be able to cover you for other activities that are not listed. Please contact us  info@intripinsurance.com 

Making a Claim 

To claim: 

You can submit your claim online on our dedicated online claim portal. Alternatively, you can reach out  to us via:

info@intripinsurance.com 

You should fill in the form and send it to us within 30 days of your return home with all the information  and documents we ask for. Failure to provide the required information within 30 days of your return  home will result in a claim denial. It is essential that you provide us with as much detail as possible to  enable us to handle your claim quickly. Please keep photocopies of all information you send us. 

You will need to obtain some information about your claim while you are away. Below is a list of the  documents we will need in order to deal with your claim. 

For all claims 

• Your original journey booking invoice(s) and travel documents showing the dates and times of  travel. 
• Original receipts and accounts for all out-of-pocket expenses you have to pay. • • Original bills or invoices you are asked to pay. 
• Details of any other insurance you may have that may cover the same loss, such as household  or private medical. 
• As much evidence as possible to support your claim. 

Medical expenses 

Always contact our 24-hour emergency medical service when you are hospitalized (including being  diagnosed with epidemic and pandemic such as Covid 19) , require repatriation or where medical fees  are likely to exceed US$ 250. 

Medical evidence from the treating doctor to confirm the illness or injury and treatment given including  hospital admission and discharge dates, if this applies. 

If you are advised by a doctor at your resort that you cannot go on your pre-booked excursions because  of medical reasons, you should obtain a medical certificate from them confirming this. 

Loss of Travel Documents 

Written confirmation from the Consulate where the loss happened detailing the date of loss, notification  of loss and replacement together with a written report from the police. 

For loss or damage in transit claims, including delayed personal possessions.

Please obtain a Property Irregularity Report (PIR) from the airline within 7 days of the delay / loss /  damage. You have 21 days to write to the airline confirming details of essential replacement items  purchased. 

Personal possessions 

• Report the theft, damage or loss to the police within 24 hours of discovery and ask them for a written  police report. 
• If appropriate, you should also report the theft, damage or loss to your courier or hotel / apartment  manager and ask for a written report. 
• Original receipts, vouchers or other suitable evidence of purchase / ownership / value for lost, stolen  or damaged personal possessions 
• Keep any damaged items as we may need to inspect them. If we make a payment, or we replace an  item, the item will 

then belong to us. Obtain an estimate for repair for all damaged items. Personal accident 

• Detailed account of the circumstances surrounding the event, including photographs and video  evidence (if this applies). 
• Medical evidence from the treating doctor to confirm the extent of the injury and treatment given,  including hospital 

admission / discharge. 

• Full details of any witnesses, providing written statements where available. 
• A certified copy of the death certificate if this applies. 

Missed departure 

Detailed account of the circumstances causing you to miss your departure together with supporting  evidence from the public transport provider or accident / breakdown authority attending the private  vehicle you were travelling in. 

Delayed Departure 

Written confirmation from the airline, rail company, shipping line or their handling agent of the  scheduled and actual departure times and why the departure was delayed. 

Personal liability 

• A detailed account of the circumstances surrounding the claim, including photographs  and video evidence (if this applies). 
• Any writ, summons or other correspondence received from any third party. 

Please note that you should not admit liability, offer to make any payment or correspond with any third  party without our written consent. 

• Full details of any witnesses, providing written statements where available.  Mugging 
• Original copy of the police report, stating among others the location, date and  precise time of the assault 
• Any other document the Insurer considers necessary for the validation of the  claim and indemnity assessment. 

Loss of credit I debit card 

• Report the theft or loss to the police within 24 hours of discovery and ask them for a written  police report. 
• Written confirmation from your card issuer showing that you had cancelled the card as soon  as the loss or theft was 

discovered. 

• Original card statement showing the fraudulent transactions made. 

Winter sports 

Ski pack 

Medical evidence from the treating doctor to confirm the illness or injury and treatment given including  hospital admission / discharge if this applies. If you are advised by a doctor at your resort that you  cannot take part in your pre-booked ski activities because of medical reasons, you should obtain a  medical certificate from them confirming this. 

Ski equipment and delayed ski equipment 

• All appropriate evidence requested under the heading ‘Personal possessions’ in this section. • All hire receipts and luggage labels / tags. 
• A written report from your airline or other carrier if your ski equipment is delayed or misdirected. Piste / Avalanche closure

Written confirmation from your tour operator, the local piste authority or ski lift operator confirming the  reason for the closure and duration. 

Terrorism Extension 

The following triggers need to occur, before an insured person can file a claim: 

• An actual terrorist incident had to happen 
• This terrorist incident poses a threat to the life of the insured person 

Making a complaint 

We aim to provide you with a first class policy and service. However, there may be times when you feel  we have not done so. If this is the case, please tell us about it so that we can do our best to solve the  problem. If you make a complaint, your legal rights will not be affected. 

In the first instance, please contact: 

Customer Services Manager IN TRIP Travel – (claims@In Tripinsurance.eu) 

Please supply us with your name, address, policy number and claim number where applicable and  enclose copies of relevant correspondence as this will help us to deal with your complaint, in the  shortest possible time. 

Cancellation or curtailment charges – Section 1 

If you think you may have to cut your journey short (curtail), we must be told immediately – see under  the heading ‘24-hour emergency medical assistance’ for more information. 

WHAT YOU ARE COVERED FOR 

We will pay up to the amount shown in your summary of cover for your part of unused personal  accommodation, transport charges and other travel expenses which there is a contract to pay that  cannot be recovered from anywhere else. 

We will provide this cover in the following necessary and unavoidable circumstances: Cancellation 

If you cancel your journey before it begins because one of the following happens: 

• The death, serious injury or serious illness of you, someone you were going to stay with, a  travelling companion, or a close 

relative or business associate of you. 

• You or a travelling companion is needed by the police following a burglary, or damage caused by  serious fire, storm, flood,

explosion, subsidence, vandalism, fallen trees, impact by aircraft or vehicle at your home or their home  or usual place of business in your home country. 

Curtailment 

You cut your journey short (curtail) after it has begun because of one of the following: • Anything mentioned in cancellation. 

• You are injured or ill and are in hospital for the rest of your journey. 

Note 

We will calculate interruption claims from the date it is necessary for you to return to your home country  or the date you are hospitalized as an in-patient, for the rest of your journey. We will pay unused  personal accommodation and other travel expenses based on each 24-hour period you have lost. If you  need to be repatriated, we will not refund the cost of your unused return travel tickets. We will put the  value of these tickets towards the extra transport costs we have to pay. 

WHAT YOU ARE NOT COVERED FOR 

Under Cancellation and Curtailment 

An excess of the amount shown in your summary of cover. 

Any condition stated under Health declaration and health exclusions. 

More than the lowest market value of equivalent accommodation, transport charges and other travel  expenses, if payment was made using frequent flyer points, airmiles, loyalty card points, redeemable  vouchers or another similar scheme. 

Anything caused by: 

• you not having the correct passport or visa;
• your carriers’ refusal to allow you to travel for whatever reason; 
• any restriction caused by the law of any country or people enforcing these laws; 
• bankruptcy or liquidation of the company providing your transport or accommodation, their agents or any person acting for you;
• anything the company providing your transport or accommodation, their agents, any  person acting for you or your conference organiser is responsible for;
• your vehicle being stolen or breaking down;
• you not wanting to travel or not enjoying your journey;
• riot, civil commotion, strike or lock-out;
• you travelling in an aircraft (except as a passenger in a fully-licensed, passenger carrying aircraft);
• your suicide, self-injury or deliberately putting yourself at risk (unless you were trying  to save another person’s life) for example swimming while under the influence of alcohol or climbing from one balcony to another; o – the death of any pet or animal;
• the withdrawal from service of an aircraft, cross-channel train or sea vessel  (temporarily or permanently), on which you are booked to travel, by the carrier or on the recommendation or order of any government, civil aviation  authority, port authority, rail authority or other similar authority in any country.
• Any extra cancellation charges, because you did not tell the company providing your  transport or accommodation, their agents or any person acting for you, as soon as you  knew you had to cancel.
• Financial circumstances or unemployment, except caused by redundancy which you  find out about after the date your policy or travel tickets for your journey were bought  (whichever is the later).

Under Curtailment 

• Cutting short your journey unless we have agreed. 
• Any costs when you do not get a medical certificate (from the doctor who treated you in the  place where you were staying) which says it was necessary for you to come home because of death, injury or illness. Our medical  advisers must have agreed with the reason and that you were fit to travel.
• The cost of your original pre-booked tickets if you have not used them and we have paid extra transport  costs
• You travelling on a motorcycle, unless the rider holds an appropriate valid licence and all  insured persons are wearing crash helmets.
• Anything caused by you taking part in a hazardous activity unless mentioned under the sports  and leisure activities on page 

Emergency medical and associated expenses (including being diagnosed with epidemic and pandemic  such as Covid 19) – Section 2 

If you are taken into hospital or you think you may have to come home early or extend your journey  because of illness or accident, or if your medical expenses are over US$ 250 we must be told  immediately – see under the heading ‘24-hour emergency medical assistance’ for more information. 

WHAT YOU ARE COVERED FOR 

We will pay you or your Personal Representatives for the following necessary and unforeseen emergency  expenses if you die, are injured, have an accident or are taken ill during your journey including being  diagnosed with epidemic and pandemic such as Covid 19). 

Up to the amount shown in your summary of cover for reasonable fees or charges you incur for: Treatment 

Medical, surgical, medication costs, hospital, nursing home or nursing services outside your home  country. Repatriation of remains. 

Up to the amount shown in your summary of cover for the cost of transporting the body of the person  insured to their home. 

Dental 

Up to the amount shown in your summary of cover for emergency dental treatment to relieve sudden  pain. The dental cover is also applicable if treatment is required due to accident, illness or injury within  the scope of this section. 

Accommodation Costs Related to COVID-19 Quarantine 

If you are placed in individual quarantine during the trip by order or other requirement of a government,  public authority, or travel supplier based on a positive COVID-19 epidemic/pandemic test. This does not  include any quarantine that applies generally or broadly to some or all of a population, vessel, or  geographical area, or that applies based on where you are traveling to, from, or through. 

We will cover your accommodation costs on direct billing, up to the amount limits stated in the summary  of cover. 

Hospital Cash 

We will pay you, up to the amount shown in your summary of cover, for each day you are hospitalized for  over a continuous 48 hour period while you are overseas. 

Emergency family travel

Up to the amount shown in your summary of cover for one other person who stays or travels with you or  to you from your home country on medical advice. 

WHAT YOU ARE NOT COVERED FOR 

• An excess of the amount shown in your summary of cover. 
• The cost of replacing any medication you were using when you began your journey. • – Any condition stated under Health declaration and health exclusions. 
• Extra transport and accommodation costs which are of a higher standard to those already  used on your journey, unless we agree.
• Anything caused by: 

you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft); your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another  person’s life)

for example
swimming while under the influence of alcohol or climbing from one balcony to another. you travelling on a motorcycle, unless the rider holds an appropriate valid license and all insured persons  are wearing crash helmets; 

you taking part in any hazardous activity unless mentioned under the sports and leisure activities on  page 11. 

• Any costs incurred 12 months after the date of your death, injury or illness. • – Any costs for taxi fares and 
• Services or treatments you 
• Services or treatments you telephone calls (including mobile calls) resulting from an incident claimed for under this section. receive  within your home country.
• receive which the doctor in attendance and we think can wait until you get back to your home country.
• Medical costs over US$ 250, in-patient treatment or 
• The extra costs of having a single or private room in
• The cost of all treatment which is not directly related 
• Your burial or cremation within your home country. 
• Replacing or repairing false teeth or artificial teeth (such as crowns). 
• Dental work involving the use of precious metals. 
• We will not pay for the first 48 hours of your hospitalization 
• If you cannot claim for emergency medical expenses in Section 2 

COVID 19 

You must not have travelled against your home country’s government advice or against local authority  advice at your trip destination 

• The care must be medically necessary 
• This coverage will not pay for any care provided after your coverage ends • − This coverage will not pay for non-emergency care or services 

The consequences: 

• of exposure to chemical agents of a combat gas type, 
• of exposure to incapacitating agents, 
• of exposure to neurotoxic agents or agents with residual neurotoxic effects 

which require a quarantine period or specific preventive or monitoring measures by the local and/or  national health authorities of the country in which you are staying 

Please refer to Sections General exclusions, Conditions and Making a claim that also apply Loss of Travel Documents – Section 3 

WHAT YOU ARE COVERED FOR 

We will pay for the following travel documents if they are lost, stolen or destroyed on your journey. 

Passport 

• Costs for issuing a temporary passport 

Up to the amount shown in your summary of cover for the cost of extra transport, accommodation and  administration costs you have to pay to get a temporary passport to enable you to return to your home  country.

Visas 

• Costs for issuing a temporary visa 

Up to the amount shown in your summary of cover for the cost of extra transport, accommodation and  administration costs you have to pay to get a temporary visa to enable you to return to your home  country. 

WHAT YOU ARE NOT COVERED FOR 

Please refer to Sections General exclusions, Conditions and Making a claim that also apply. Delayed Personal Possessions – Section 4 

WHAT YOU ARE COVERED FOR 

Up to the amount shown in your summary of cover in total for essential replacement items, if your  personal possessions (this does not include valuables) are temporarily lost or stolen on your outward  journey for more than 4 hours from when you arrived at your destination. 

Note : 

You must send us the receipts for anything that you buy. If the items are permanently lost, we will take  any amount that you are due to be paid under this section from the final claim settlement under the  Personal Possessions – section 5. 

WHAT YOU ARE NOT COVERED FOR 

Please refer to Sections General exclusions, Conditions and Making a claim that also apply. 

Personal possessions – Section 5 

WHAT YOU ARE COVERED FOR 

Personal possessions – Section 5 

Up to the amount shown in your summary of cover if your personal possessions are damaged, stolen,  lost or destroyed on your journey. 

We will pay for your single, paired or set of valuables whether jointly owned or not, as defined in the  definition and specified in the summary of the cover, 

We will pay for Tobacco, alcohol and fragrances up to the policy limit as specified in the summary of  cover.

Note : 

It will be our decision to pay either: 

• the cost of repairing your items; 
• to replace your belongings with equivalent items; or 
• the cost of replacing your items. An amount for wear, tear and loss of value will be deducted. WHAT YOU ARE NOT COVERED FOR 
• An excess of the amount shown in your summary of cover. 
• More than the part of the pair or set that is stolen, lost or destroyed. 
• More than US$ 50 for tobacco, alcohol, fragrances and perfumes. 
• Breakage of or damage to sports equipment while it is being used, fragile articles, audio,  video, computer, laptop, television, fax 

and phone equipment. 

• Loss or damage due to the climate, wear and tear, loss in value, process of cleaning, moths or  vermin. 
• The cost of replacing or repairing false teeth. 
• A claim for more than one mobile phone per insured 
• Loss or theft of or damage to , the following :
• Items for which you are unable to provide a receipt or other proof of purchase.
• Goods which deteriorate, bottles or cartons, and any damage caused by these items  or their contents. Valuables left in a motor vehicle.

Valuables carried in suitcases, trunks or similar containers unless they are on your  person or carried by you. 

Valuables unless they are on your person or locked in a safe or safety deposit box (if one  is available) or locked in the accommodation you are using on your journey. Contact or  corneal lenses, unless following fire or theft. 

Bonds, share certificates, guarantees or documents of any kind. 

Personal possessions unless they are on your person, locked in the accommodation you  are using on your journey or they are out of sight in the locked boot or covered luggage 

area of a locked motor vehicle (no cover for valuables). Passport. 

Personal money. 

Please refer to Sections General exclusions, Conditions and Making a claim that also apply. Personal Accident – Section 6 

WHAT YOU ARE COVERED FOR 

We will pay you or your beneficiary one of the following amounts for an accident during your journey. Death (including Common Carrier) 

The amount shown in your summary of cover for death. (We will not pay more than 10% of the benefits  shown in your certificate of insurance if you are aged 16 or under at the time of the accident.) 

Permanent loss of sight or limb 

The amount shown in your summary of cover for total and permanent loss of sight in one or both eyes  or total and permanent loss of use of one or both hands or feet. 

Permanent total disablement 

The amount shown in your summary of cover for a permanent physical disability as a result of which  there is no paid work which you are able to do. (We will not pay any compensation if you are aged 16 or  under or aged 65 or over at the time of the accident.) 

Note : 

Death benefit payments will be made to your Personal Representative. 

WHAT YOU ARE NOT COVERED FOR 

Any condition stated under Health declaration and health exclusions. Any claim arising more than one  year after the original accident. Anything caused by: 

• your sickness, disease or gradually occurring conditions, physical or mental condition that is  gradually getting worse unless 

shown on your certificate of insurance; 

• you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying  aircraft);
• your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save  another person’s life) for example 

swimming while under the influence of alcohol or climbing from one balcony to another; 

• you travelling on a motorcycle, unless the rider holds an appropriate valid licence and all  insured persons are wearing crash 

helmets; 

• you taking part in any hazardous activity unless mentioned under the sports and leisure  activities on page 11. 

We will not pay more than one of the benefits resulting from the same injury. 

Please refer to Sections General exclusions, Conditions and Making a claim that also apply. Delayed Departure – Section 7 

YOU ARE NOT COVERED FOR 

Compensation of the amount shown in your summary of cover if the flight, train or sea going vessel you  are booked on is delayed at its departure point by more than 6 hours from the time shown in your travel  itinerary (plans) because of: 

• a serious fire, storm or flood damage to the departure point;
• industrial action;
• bad weather;
• mechanical breakdown of the international train or sea vessel or the grounding of the  aircraft due to a mechanical or a structural defect.

WHAT YOU ARE NOT COVERED FOR 

• Anything which is caused by you not checking in at the departure point when you  should have done. 
• Missed connections. 
• Compensation unless you get a letter from the airline giving the reason for the delay  and showing the scheduled departure time and the actual departure time of the flight.
• Any delay caused by a riot, civil commotion, strike or industrial action which began or  was announced before your policy or travel tickets for your journey were bought  (whichever is later). 
• The withdrawal from service of an aircraft, cross-channel train or sea vessel (temporarily  or permanently), 

Missed Departure – Section 8 

WHAT YOU ARE COVERED FOR 

We will pay you up to the amount shown in your summary of cover for the cost of extra accommodation  and transport which you have to pay to get to your journey destination or back home because you are  delayed by more than 4 hours in getting to the departure point by the time shown in your travel itinerary  (plans) because: 

• public transport (including scheduled flights) does not run to its timetable; or 
• the vehicle you are travelling in has an accident or breaks down. WHAT YOU ARE NOT  COVERED FOR 

Any claim unless you: 

• get a letter from the public transport provider (if this applies) confirming that the service did  not run on time 
• get confirmation of the delay from the authority who went to the accident or breakdown (if  this applies) affecting the vehicle you were travelling in
• have allowed time in your travel plans for delays which are expected. 

Any delay caused by a riot, civil commotion, strike or industrial action which began or was  announced before your policy or travel tickets for your journey were bought (whichever is later). Failure of public transport caused by a riot, civil commotion, strike or industrial action which  began or was announced before you left home or where you could have reasonably made other  travel arrangements. 

The withdrawal from service of an aircraft, cross-channel train or sea vessel (temporarily or  permanently), on which you are booked to travel, by the carrier or on the recommendation or  order of any government, civil aviation authority, port authority, rail authority or other similar  authority in any country. 

Please refer to Sections General exclusions, Conditions and Making a claim that also apply. Personal liability – Section 9

If you are hiring a motorised or mechanical vehicle while on your journey you must make sure that you  get the necessary insurance from the hire company. We do not cover this under our policy. 

WHAT YOU ARE COVERED FOR 

We will pay up to the amount shown in your summary of cover plus any other costs we agree to in  writing that relate to anything you cause during your journey for which you are legally liable and results  in one of the following. 

• Bodily injury of any person.
• Loss of or damage to property which you do not own and you or a close relative have  not hired, loaned or borrowed.
• Loss of or damage to the accommodation you are using on your journey that does not  belong to you or a close relative. 

Note : 

Inform us as soon as you or your Personal Representatives are aware of a possible prosecution, inquest  or fatal injury, which might lead to a claim under this section.Please do not negotiate, pay, settle, admit  or deny any liability to any third party, without our written consent. 

WHAT YOU ARE NOT COVERED FOR 

An excess of the amount shown in your summary of cover. 

Any liability for bodily injury or loss of or damage to property that comes under any of the following  categories. 

Something which is suffered by anyone employed by you or a close relative and is caused by the work  they are employed to do. 

Something which is caused by something you deliberately did or did not do. 

Something which is caused by your employment or employment of a close relative Something whichis caused by you using any firearm or weapon. 

Something whichis caused by any animal you own, look after orcontrol. 

Something whichyou agree to take responsibility for which you would not otherwise have been  responsible for. 

Any claim incident occurring in your home country. 

Any contractual liabilities. 

Any liability for bodily injury suffered by you, a close relative or travelling companion.

Compensation or other costs caused by accidents arising from your ownership or possession of any of  the following. 

The use of any land or building except for the accommodation you are using on your journey. Motorised or mechanical vehicles and any trailers attached to them. Aircraft, motorised watercraft or  sailing vessels. 

Please refer to Sections General exclusions, Conditions and Making a claim that also apply.