admiral travel insurance documents

Claim Details
Claim Questions

Policy Details

Here are the details of your policy.

Policy Type Platinum Annual Multi-Trip

Policy Issue Date 01/04/2022

Travellers 2 Adults

Trip start date 25/04/2022

Trip end date 24/04/2023

Region worldwide

Please Answer

Before we start your claim we need to know if your policy has cover for your claim.

Before proceeding it will be helpful to have all your documents available relating to your claim and the trip you are claiming for. You should also check your policy documents and policy excess to ensure you have sufficient cover for the claim you are making.

I have checked the information and I want to proceed with logging a claim.

Please select the person who is registering the claim today.

Please note your claim will be saved as you progress.

Please read the following statement in full and confirm you are happy to proceed.

In order for us to deal with your claim it’s important that you provide full, honest and accurate information.

The details you provide will be recorded and may be shared with other organisations and checked against databases: this is to help prevent fraud.

We may share information with carefully chosen suppliers to assist with any claim.

Before you proceed, please be aware of the following:

Excess: The amount you must pay towards any claim. This excess applies to each insured person claiming and to each incident being claimed for under the particular section, unless you have paid for excess waiver, which removes the excesses you would otherwise have to pay.

Policy Limit: Limits on the amount we will pay under each section of cover. Each limit is per person, per trip. Some sections of cover may also include individual limits (for example, for any one item) or total limits (for example, for valuables). The policy schedule includes a table of benefits to show the limits that apply.

Travel Delay: If your flight was delayed by less than 12 hours, you will not be able to claim for travel delay but may be able to claim directly from your airline.

Flight Cancellation: If your flight is cancelled by the airline then you will only be covered if it is a result of strike, industrial action or mechanical breakdown and no alternative transport has been provided within 24 hours. Any other reason such as staff shortages are not covered and you will need to claim directly with your airline/tour operator for any costs incurred.

Personal Belongings: If you are looking to claim for any theft of an item, please make sure you have reported the item or items to the police.

0333 234 9914 (Mon-Fri: 9-5pm)

[email protected]

Help on each page

You can click on the blue question icon any page to find out more information on how to fill in your claim.

Are you experiencing a medical emergency abroad?

For 24/7 emergency support please call +44 (0)2920 107777

What You Need to Know About Factory Resetting PS4 Before You Start

Stay warm and stylish with these 10 chic long coats for women, cardiff to bristol bus ticket:- timing, schedule, class, price, ticket details for flights to perth australia: timing, duration, class, and ticket prices, ticket details for flights to faro: timing, duration, class, and ticket prices, admiral travel insurance – coverage for your next trip.

Imagine this, you’ve been saving up for months to take that dream vacation. You’ve got everything covered, from flights to accommodations, and you can’t wait to finally escape life for a little while. But what if your flight gets delayed or, worse, cancelled? What if you get sick or injured, or your luggage gets lost or stolen?

While we don’t like to think about the possibility of something going wrong, the truth is that travelling to a foreign land can be unpredictable. That’s where Admiral Travel Insurance comes in. With a variety of comprehensive coverage options, Admiral Travel Insurance can provide you with the financial security you might require while vacationing.

Join us in this blog as we take a closer look at Admiral Travel Insurance and how you can benefit from it.

What is Admiral Travel Insurance?

Admiral Travel Insurance is a UK-based insurance provider that offers travel insurance for both domestic and international trips. With 30 years in the business, the company provides affordable and reliable travel insurance coverage to customers. Admiral Travel Insurance is underwritten by Great Lakes Insurance SE, and it is regulated by the Financial Conduct Authority (FCA). The company is committed to providing affordable travel insurance coverage that meets the diverse needs of travellers.

Types of Covers Offered by Admiral Travel Insurance

Admiral Travel Insurance offers a range of travel insurance covers to suit the different needs and budgets of their customers.

Single Trip Travel Insurance

This cover is ideal for travellers taking a one-off trip. It provides comprehensive protection for unexpected events, including medical emergencies, trip cancellations, and lost or stolen baggage.

Annual Multi-Trip Travel Insurance

This cover is suitable for travellers who take multiple trips throughout the year. It provides the same comprehensive protection as the single trip cover, but for multiple trips, potentially saving you money on premiums.

Backpacker Travel Insurance

Folks who travel for an extended period, typically for more than three months, will hugely benefit from this cover. This plan provides coverage for medical emergencies, personal liability, and other unexpected events that can occur while backpacking.

Cruise Travel Insurance

This cover is ideal for travellers going on a cruise holiday. It provides coverage for medical emergencies, trip cancellations, and other events specific to cruise travel, such as missed port departures and cabin confinement.

Winter Sports Travel Insurance

This cover is designed for travellers who plan to go skiing or snowboarding. It provides coverage for medical emergencies, equipment loss or damage, and other unexpected events that can occur while engaging in winter sports.

Business Travel Insurance

This cover is suitable for business travellers who require protection against unexpected events that can occur while travelling for work, such as trip cancellations, lost or stolen baggage, and personal liability.

Read More: Travel Insurance with COVID Cover

Benefits of buying the Admiral Travel Insurance

There are several benefits to purchasing Admiral Travel Insurance for your next trip:

Flexible policy options & comprehensive coverage

The company offers a range of policy options and comprehensive coverage to suit different types of travellers, from single-trip cover to annual multi-trip cover, backpacker cover, cruise cover, winter sports cover, and more. This flexibility allows you to choose a policy that meets your needs and budget.

24/7 emergency assistance

24/7 emergency assistance is provided to policyholders who need help while travelling. This assistance includes access to medical assistance, travel advice, and more. Their team of experienced and friendly staff are available to answer any questions you may have about your policy or the claims process.

Easy claims process

Admiral Travel Insurance has a simple and straightforward claims process: online or over the phone. This makes it easy to file a claim if you experience an unexpected event while travelling.

Optional covers

The company offers a range of optional covers that can be added to any policy, such as hazardous activity cover, gadget cover, and cruise plus cover. These covers provide additional protection for specific events or activities, giving you added peace of mind while travelling.

Also, Read: Tesco Travel Insurance

Admiral Travel Insurance Reviews

Admiral Travel Insurance has received mixed reviews from customers. Most customers have praised the company for its comprehensive coverage, affordable premiums, and excellent customer service.

However, some customers report difficulties in getting claims approved or receiving payment, while others have found that certain events may not be covered by their policy. Additionally, some even have reported confusion over policy exclusions due to unclear explanations. Overall, while Admiral Travel Insurance has its strengths, it’s important for potential customers to do their research and understand the details of their policy to ensure it meets their needs.

Admiral Travel Insurance Login

Admiral Travel Insurance offers an easy-to-use online portal where customers can log in to manage their policies, view policy documents, and make payments. Here’s how you can create an account on the Admiral website:

In the top right corner, click on the “My Account” tab and then the “Register” button, followed by filling out the required information.
You will receive an email from Admiral confirming your registration. Through the link provided, activate your account.
Once done, go back to the “My Account” tab on the Admiral website and enter your email address and password in the login form.

That’s it! You will now be able to access your policy details and manage your account online. In case you want to know how to cancel Admiral Travel Insurance, contact Admiral customer service for assistance.

Admiral Travel Insurance is a reliable and affordable travel insurance provider. If you’re planning a trip and want the peace of mind that comes with knowing that you’re covered for unexpected events, consider purchasing travel insurance from Admiral Travel Insurance. With their wide range of coverage options and excellent customer service, you can travel with confidence, knowing that you’re protected no matter what happens. For more updates on travel insurance, visit Tripcolumn .

What is the maximum trip length covered by Admiral Travel Insurance?

Admiral Travel Insurance provides coverage for trips up to 365 days in duration. This means that you can take extended trips without having to worry about your coverage expiration.

How do I cancel my Admiral Travel Insurance policy?

To cancel your Admiral travel insurance policy, follow the steps below:

Call the Admiral customer service number.
Explain why you want to cancel your policy and share relevant details like your policy number and personal information.
Answer any questions that the support team has and get your cancellation confirmation along with any refunds to be received.

What happens if I need medical assistance while travelling?

If you require medical assistance while travelling, you should contact the emergency assistance team provided by Admiral Travel Insurance. They are available 24/7 and can help you find medical assistance, provide advice on your situation, and arrange for any necessary medical transportation or repatriation. Do carry your policy documents with you at all times, as they will contain important contact information and details about your coverage.

Username or Email Address

Remember Me

Attention! Your ePaper is waiting for publication!

By publishing your document, the content will be optimally indexed by Google via AI and sorted into the right category for over 500 million ePaper readers on YUMPU.

This will ensure high visibility and many readers!

Your ePaper is now published and live on YUMPU!

You can find your publication here:

Share your interactive ePaper on all platforms and on your website with our embed function

Travel Insurance Policy Wording - Admiral Travel Insurance

admiraltravelinsurance.co.uk

You also want an ePaper? Increase the reach of your titles

YUMPU automatically turns print PDFs into web optimized ePapers that Google loves.

Your Travel Insurance Policy

Reference Number: Admiral/2013 13Q01, 13Q02, 13Q03

Introduction To Your Policy

This policy has been arranged by Rock Insurance Services Limited who

collects and holds premium as agents of the Insurers. Rock Insurance

Services Limited is authorised and regulated by the Financial Services

Authority (FSA). Our FSA registration number is 300317. You can check

the regulatory status of Rock Insurance Services Limited by visiting

www.fsa.gov.uk/register or by telephoning 0845 606 1234.

This policy contains a number of different sections offering different

types of cover supplied by a number of different Insurers, that Rock

Insurance Services has brought together to offer a choice of cover

for You. It will depend on the choice of cover, upgrade options and

premium You have paid as to which Sections of Cover in this policy

wording are relevant to You.

You will not receive advice or a recommendation in connection with

the purchase of Your insurance. You will need to make Your own choice

about the policy.

You have the right to cancel this insurance should it not meet Your

needs within 14 days from either the date of purchase or receipt of

Your Certificate of insurance, whichever is later, and provided that You

have not already travelled.

If You do decide to cancel the policy then Your premium will be

refunded in full, provided no claims have been made or no incidents

have occurred that may give rise to a claim.

If You are in any doubt about any aspect of this policy wording and how

it relates to You please contact us using the telephone number on Your

Certificate of insurance.

This policy will suit the demands and needs of an individual or group

(where applicable) who are travelling to countries included within

the policy terms and who wish to insure themselves against the full

financial impact of specified unforeseen circumstances/events relating

to or occurring during their trip. Full details of these circumstances/

events, levels of cover and terms and conditions can be found within

this policy wording.

This policy will cover certain pre-existing medical conditions contained

within the waived conditions list on page 3. However if the pre-existing

condition is not listed in the waived conditions, then You will need

to declare Your pre-existing medical condition to medical screening.

Cover for any such medical condition will not be in place unless You

have declared the condition, had it accepted in writing, and paid an

additional premium.

You should read the important conditions and exclusions to ensure that

this policy is right for You.

Specifically You should note that the policy may not be applicable if:

• You reside outside the UK Area;

• You are over the age of 74 years old when You purchase the Single

Trip policy;

• You are over the age of 64 years old when You purchase the Annual

Multi-Trip policy;

• You require Winter Sports cover and are over the age of 65;

• You require Backpacker cover but are over the age of 45 when You

purchase the policy.

Please be aware that You are responsible for making us aware of all

material facts which may affect the assessment and acceptance of risk

of being insured. You must inform us if there are any changes to Your

medical conditions as this may affect Your ability to be covered under

this policy.

We always aim to provide a first class service. However if You have

any cause for complaint, any enquiry should be addressed in the first

instance to The Compliance Manager, Rock Insurance Services Limited,

6 Magellan Terrace, Gatwick Road, Crawley, West Sussex RH10 9PJ or

email [email protected]. Should You remain dissatisfied You

may have the right to ask the Financial Ombudsman Service to review

Your complaint.

We are covered by the Financial Services Compensation Scheme. You

may be entitled to compensation from the scheme if We are unable

to meet Our obligations. This depends on the type of business, and

circumstances of the claim. Insurance arranging is covered for 90% of

the claim, without any upper limit. Further information can be obtained

from the Financial Services Compensation Scheme by visiting their

website at www.fscs.org.uk.

10 Things To Do Before You Go

1. Check the Foreign and Commonwealth Office (FCO) travel advice

online at www.fco.gov.uk or phone 0845 850 2829.

2. Get travel insurance and check that the cover is appropriate.

3. Get a good guidebook and get to know the place You are going to.

Find out about local laws and customs.

4. Make sure You have a valid passport and any visas You need.

5. Check what vaccinations You need at least six weeks before You go.

6. Check to see if You need to take extra health precautions (visit

www.dh.gov.uk/en/publichealth).

7. Make sure whoever You book Your Trip through is a member of

the Association of British Travel Agents (ABTA) or the Air Travel

Organisers’ Licensing scheme (ATOL).

8. Photocopy Your passport, insurance policy, 24-hour emergency

numbers and Your ticket details and leave copies with family and

friends.

9. Take enough money for Your trip and some back-up funds, for

example, traveller’s cheques, sterling or US dollars.

10. Tell Your family or friends where You will be staying and what You

plan to do, and give them a way of contacting You (such as an e-mail

address).

Important

Under the new travel directive from the European Union (EU), You are

entitled to claim compensation from Your airline if any of the following

happens:

1. You are not allowed to board or Your flight is cancelled: If You

check-in on time but You are not allowed to board because there

are too many passengers for the number of seats available or Your

flight is cancelled, the airline operating the flight must offer You

financial compensation.

2. There are long delays: If You are delayed for two hours or

more, the airline must offer You meals and refreshments, hotel

accommodation and communication facilities. If You are delayed

for more than five hours, the airline must also offer to refund Your

ticket.

3. Your baggage is damaged, lost or delayed: If Your checked-in

baggage is damaged or lost by an EU airline, You must make a

claim to the airline within seven days. If Your checked-in baggage

is delayed, You must make a claim to the airline within 21 days of

when You get Your baggage back.

4. You are injured or die in an accident: If You are injured in an

accident on a flight by an EU airline, You may claim damages from

the airline. If You die as a result of these injuries Your family may

claim damages from the airline.

5. You do not receive the services You have booked: If Your tour

operator does not provide the services You have booked, for

example, any flights or a part of Your package holiday, You may claim

damages from the tour operator. You can download more details

from http://ec.europa.eu/transport/passengers/air/air_en.htm

Admiral Travel Insurance Policy - PW/ADM/00501a Page 1 of 27

Contents

Your Travel Policy Page 2

Important - Medical Health Declaration Page 2

Important - Waived Conditions Page 3

Important Notes Page 4

Important Health Requirements Page 4

Important Limitations - Cancellation & Curtailment Cover Page 5

Emergency Assistance 24 Hours A Day Page 5

Reciprocal Health Agreements Page 5

Meaning Of Words Page 5

Upgrades Page 7

Section 1 Personal Assistance Services Page 7

Section 2 Medical Emergency & Repatriation Page 7

In An Emergency Page 8

Section 3 Emergency Dental Treatment Page 8

Section 4 Additional Accommodation & Travelling Costs Page 8

Section 5 Hospital Daily Benefit Page 8

Section 6 Cancellation & Curtailment Page 9

Section 7 Travel Delay Page 9

Section 8 Missed Departure on The Outward Journey Page 10

Section 9 Personal Luggage Page 10

Section 10 Luggage Delay on Your Outward Journey Page 10

Section 11 Money, Passport & Travel Documents Page 11

Section 12 Personal Liability Page 11

Section 13 Personal Accident Page 11

Section 14 Legal Protection Page 11

Section 15 Withdrawal of Services Page 12

Section 16 Catastrophe Page 12

Section 17 Pet Care Page 12

Section 18 Hijack Page 12

Optional Winter Sports Cover Page 12

Section 19 Cancellation or Curtailment Page 13

Section 20 Skis, Ski Equipment & Ski Pass Page 13

Section 21 Piste Closure Page 13

Section 22 Avalanche or Landslide Page 13

Section 23 Ski Hire Page 13

Optional Golf Cover Page 13

Section 24 Golf Equipment Page 13

Section 25 Golf Equipment Hire Page 14

Section 26 Green Fees Page 14

Optional Business Cover Page 14

Section 27 Business Equipment Page 14

Section 28 Business Equipment Hire Page 15

Section 29 Business Money Page 15

Section 30 Emergency Courier Expenses Page 15

Section 31 Optional Wedding Cover Page 15

Section 32 Optional Special Sports & Activities Cover Page 16

General Conditions Page 17

General Exclusions Page 17

Making a Claim on Your Return Home Page 18

Customer Satisfaction Page 19

Cancellation Provisions Page 19

Data Protection Act 1998 Notice Page 19

Auto Renew Page 19

Contact Numbers Page 19

Section B - Scheduled Airline Failure Page 20

Section C - Optional Gadget Cover Upgrade Page 21

Section D - Optional Car Hire Excess Cover Upgrade Page 23

Summary of Cover and Benefits Page 26 - 27

Section A - Your Travel Insurance Policy

This policy document provides You with the terms, conditions and exclusions of

the insurance cover, together with information that will help You in the event of

an emergency. The policy contains different levels of cover, some of which do

not apply unless You have paid the appropriate additional premium. Conditions

and exclusions will apply to individual sections of Your policy while general

exclusions, conditions and notes will apply to the whole of Your policy.

Please read this document and Your Certificate very carefully to ensure You

understand the extent of the cover and assistance services, exactly what is and

is not covered, the conditions of cover, and that this meets Your requirements.

Cooling Off Period: Unless Your Trip will be completed within 14 days of buying

this insurance, You have the right to cancel Your policy of insurance within 14

days of the date of issue or receipt of the terms and conditions, whichever is

later. We will refund to You any premium You have paid and will recover from

You any payments We have made.

Please keep this document in a safe place and take it with You when You travel

in case You need assistance or need to make a claim. If You have any questions

or are in any doubt about the cover provided please call Our travel helpline as

quoted on Your Certificate of insurance.

Please quote the correct reference number below relating to the Insurance

Policy You have purchased:

For Single Trip policies, please quote 13Q01

For Annual Multi-Trip policies, please quote 13Q02

For Backpacker policies, please quote 13Q03

All communications shall be conducted in English.

Your Travel Policy

We will provide the services and benefits described in this policy:

• during the Period of Insurance

• within the Geographical Limits

• subject to the Limits of Cover, and all other terms, conditions and exclusions

contained in this policy

• to persons who habitually reside in the UK Area (i.e. have their main home

in the UK Area and have not spent more than 6 months abroad in the year

prior to purchasing the policy)

• following payment of the appropriate premium for the level of cover

selected.

Benefits under this policy are provided by SOLID Försäkringar, Box 22068, 250

22 Helsingborg, Sweden. Corp ID No 516401-8482. This policy is effected in

England and is subject to the Laws of England and Wales. SOLID insurance is a

Swedish based insurance company regulated by the Swedish Financial Services

Authority (Reference Number: 401229).

Important - Medical Health Declaration

This travel insurance operates on the basis that all Insured Persons are not

travelling against medical advice nor with the intention of obtaining medical

treatment abroad. The insurance will NOT cover you if you have any undiagnosed

symptoms that may require treatment in the future (i.e. symptoms for which you

are awaiting investigations/consultations, or awaiting results of investigations,

and where the underlying cause has not been established).

No claim arising directly or indirectly from any Pre-existing Medical Condition

affecting any person travelling under this insurance will be covered unless

You declare ALL conditions to Our Medical Screening Helpline (if not already

included in the Waived Conditions list and acceptance criteria in this section).

prior to the commencement of the Trip and they are accepted for insurance in

writing.

For the purposes of this insurance, a Pre-existing Medical Condition is

considered to be:

• 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.

Has ANYONE travelling under this policy:

• been prescribed any medication, received any

treatment, or attended any consultations,

investigations or follow-ups, for ANY medical or

psychological conditions in the last 2 years?

• EVER been prescribed medication, received

treatment or had investigations, for: a heart attack,

angina, chest pain(s), or any other heart condition?

• Blood clots, aneurysm or circulatory disease? Yes No

• Any form of stroke, TIA (transient ischaemic attack),

or brain haemorrhage?

If You have answered ‘Yes’ to any of the above questions in respect of Yourself

or anyone travelling under this policy, You must contact Our Medical Screening

Helpline by telephone on 00 44 (0) 1293 652861 or 0843 658 0267 to declare

the condition(s) and ensure that the cover will meet Your needs.

Yes

No

Admiral Travel Insurance Policy - PW/ADM/00501a Page 2 of 27

You will be asked further questions about the condition(s) and an additional

premium may be payable to cover the declared condition(s), and/or further

terms may be imposed.

CANCELLATION AND CURTAILMENT COVER

It is important to note that the policy contains conditions and exclusions

relating to non-insured travelling companions, Close Relatives or persons

with whom You intend to stay whilst on Your Trip in the event of any need to

cancel or curtail a Trip.

Please refer to Important Limitations - Cancellation & Curtailment Cover.

Waived Conditions

The medical conditions listed in the Waived Conditions table are covered

subject to the normal terms and conditions of this insurance, provided the

Insured Person can meet ALL of the following criteria:

a) has NO other Pre-existing Medical Condition(s) which is not listed within

the Waived Conditions table; and

b) is not awaiting surgery for the condition; and

c) has been fully discharged from any post-operative follow-up.

IF THE INSURED PERSON DOES NOT MEET ALL OF THE CRITERIA SHOWN

ABOVE THEN A FULL AND COMPLETE DECLARATION OF ALL PRE-EXISTING

MEDICAL CONDITIONS (INCLUDING ANY LISTED BELOW) MUST BE MADE TO

THE MEDICAL SCREENING HELPLINE.

In addition to any Medical Condition on the ‘Waived Conditions’ list, You may be

automatically accepted for cover, provided You do not have more than ONE of

the following Medical Conditions or ANY other Pre-existing Medical Condition.

Arthritis (Juvenile, Osteoarthritis, Rheumatoid or Psoriatic Arthritis,

Reiter’s Syndrome, Rheumatism):

• There must have been NO hospital admissions within the last 12 months.

• Must NOT affect the back more than any other area of the body.

• No more than 2 medications.

• No mobility aids (other than walking stick or frame).

• Must NOT be awaiting surgery.

• Must have NO lung problems.

Asthma (Wheezing):

• There must have been NO hospital admissions EVER.

• Must have been diagnosed prior to age 50.

• Must be controlled with no more than 2 medications (NO nebulizer, NO

home oxygen).

• Must have been a non-smoker for at least 12 months.

• Must be able to walk 200 yards on the flat without becoming short of

breath.

Diabetes Mellitus (Sugar Diabetes):

• Type 2 (Non-Insulin-Dependent Diabetes Mellitus) only.

• Controlled by diet alone or by no more than 1 medication (no Insulin).

• There must have been NO hospital admissions or diabetic complications

EVER.

Down’s Syndrome:

• There must be NO associated conditions or complications (e.g. congenital

heart disease, epilepsy, gastrointestinal abnormalities).

Hypercholesterolaemia (High/Raised Cholesterol):

• No more than 1 medication.

• Must NOT be the inherited form.

Hypertension (High Blood Pressure, White Coat Syndrome):

• There must have been no change in treatment within the last 6 months.

Hypotension (Low Blood Pressure):

• Must NOT be associated with any underlying condition.

Osteoporosis (Osteopaenia, Fragile Bones):

• There must have been NO vertebral (backbone) fractures.

If You have any other Pre-existing Medical Condition or Your Medical Condition

does not meet the above criteria, You must contact the Medical Screening

Helpline on 00 44 (0) 1293 652861 or 0843 658 0267 to declare ALL Your

Medical Conditions and ensure that the cover will meet Your needs.

• Abnormal Smear

Test

• Achilles Tendon

Injury

• Acne

• Acronyx (Ingrowing

Toe-nail)

• Adenoids

• Allergic Rhinitis

• Alopecia

• Anal Fissure/Fistula

• Appendectomy

• Astigmatism

• Athlete’s Foot (Tinea

Pedis)

• Attention Deficit

Hyperactivity

Disorder

• Bell’s Palsy (Facial

Paralysis)

• Benign Prostatic

Enlargement

• Bladder Infection

(fully recovered, no

hospital admissions)

• Blepharitis

• Blindness

• Blocked Tear Ducts

• Breast -

Fibroadenoma

• Breast Cyst(s)

• Breast

Enlargement/

Reduction

• Broken Bones

(other than head or

spine) – (no longer in

plaster)

• Bunion (Hallux

Valgus)

• Bursitis

• Caesarean Section

• Candidiasis (oral or

vaginal)

• Carpal Tunnel

Syndrome

• Cartilage Injury

• Cataracts

• Cervical Erosion

• Cervicitis

• Chalazion

• Chicken Pox (fully

resolved)

• Cholecystectomy

• Chronic fatigue

syndrome (if only

symptom is fatigue)

• Coeliac Disease

• Cold Sore (Herpes

Simplex)

• Colitis (simple)

• Common Cold(s)

• Conjunctivitis

• Constipation

• Corneal Graft

• Cosmetic Surgery

• Cyst - Breast

• Cyst - Testicular

• Cystitis (fully

recovered, no

• Cystocele (fully

• D & C

• Deaf Mutism

• Deafness

• Dental Surgery

• Dermatitis (no

hospital admissions

or consultations)

• Deviated Nasal

Septum

• Diarrhoea and/or

Vomiting (resolved)

• Dilatation and

Curettage

• Dislocated Hip

• Dislocations

• Dry Eye Syndrome

• Dyspepsia

Important - Waived Conditions

• Ear Infections

(resolved - must

be all clear prior to

travel if flying)

• Eczema (no hospital

admissions or

consultations)

• Endocervical Polyp

• Endocervicitis

• Endometrial Polyp

• Epididymitis

• Epiphora (Watery

Eye)

• Epispadias

• Epistaxis

(Nosebleed)

• Erythema Nodosum

• Essential Tremor

• Facial Neuritis

(Trigeminal

Neuralgia)

• Facial Paralysis

(Bell’s Palsy)

• Femoral Hernia

• Fibroadenoma

• Fibroid - Uterine

• Fibromyalgia

• Fibromyositis

• Fibrositis

• Frozen Shoulder

• Gall Bladder

Removal

• Ganglion

• Glandular Fever (full

recovery made)

• Glaucoma

• Glue Ear (resolved

- must be all clear

prior to travel if

flying)

• Goitre

• Gout

• Grave’s Disease

• Grommet(s) inserted

(Glue Ear)

• Gynaecomastia

• Haematoma

(external)

• Haemorrhoidectomy

• Haemorrhoids

(Piles)

• Hallux Valgus

(Bunion)

• Hammer Toe

• Hay Fever

• Hernia (not Hiatus)

• Herpes Simplex

(Cold Sore)

• Herpes Zoster

(Shingles)

• Hip Replacement

(no subsequent

arthritis)

• Hives (Nettle Rash)

• Housemaid’s Knee

(Bursitis)

• HRT (Hormone

Replacement

Therapy)

• Hyperthyroidism

(Overactive Thyroid)

• Hypospadias

• Hypothyroidism

(Underactive

Thyroid)

• Hysterectomy

(provided no

malignancy)

• Impetigo

• Indigestion

• Influenza

• Ingrowing Toe-nail

(Acronyx)

• Inguinal Hernia

• Insomnia

• Intercostal

Neuralgia

• Intertrigo

• Irritable Bowel

Syndrome (IBS)

• Keinboeck’s Disease

• Keratoconus

• Knee Injury -

Collateral/cruciate

ligaments

• Knee Replacement

• Kohlers Disease

• Labyrinthitis

• Laryngitis

• Learning Difficulties

• Leptothrix

• Leucoderma

• Lichen Planus

• Ligaments (injury)

• Lipoma

• Macular

Degeneration

• Mastitis

• Mastoidectomy

• Menopause

• Menorrhagia

• Migraine (provided

this is a definite

diagnosis and there

are no ongoing

investigations)

• Miscarriage

• Mole(s)

• Molluscum

Contagiosum

• Myalgia (Muscular

Rheumatism)

• Myalgic

Encephalomyelitis

(ME) (if the only

• Myxoedema

• Nasal Infection

• Nasal Polyp(s)

• Nettle Rash (Hives)

• Neuralgia, Neuritis

• Nosebleed(s)

• Nystagmus

• Obstructive Sleep

Apnoea

• Osgood-schlatter’s

Disease

• Osteochondritis

• Otosclerosis

• Overactive Thyroid

• Parametritis

• Pediculosis

• Pelvic Inflammatory

• Photodermatosis

• Piles

• Pityriasis Rosea

• Post Viral Fatigue

Syndrome (if the

only symptom is

fatigue)

• Pregnancy

complications)

• Prickly Heat

• Prolapsed Uterus

(womb)

• Pruritis

• Psoriasis (no

• Repetitive Strain

• Retinitis Pigmentosa

• Rhinitis (Allergic)

• Rosacea

• Ruptured Tendons

• Salpingo-oophoritis

• Scabies

• Scalp Ringworm

(Tinea Capitis)

• Scheuermann’s

• Sebaceous Cyst

• Shingles (Herpes

Zoster)

• Shoulder Injury

• Sinusitis

• Skin Ringworm

(Tinea Corporis)

• Sleep Apnoea

• Sore Throat

• Sprains

• Stigmatism

• Stomach Bug

(resolved)

• Strabismus (Squint)

• Stress Incontinence

• Synovitis

• Talipes (Club Foot)

• Tendon Injury

• Tennis Elbow

• Tenosynovitis

• Termination of

Pregnancy

• Testicles -

Epididymitis

Hydrocele

Varicocele

• Testicular Cyst

• Testicular Torsion

(Twisted Testicle)

• Throat Infection(s)

• Thrush

• Thyroid - Overactive

• Thyroid Deficiency

• Tinea Capitis (Scalp

Ringworm)

• Tinea Corporis (Skin

• Tinea Pedis

(Athlete’s Foot)

• Tinnitus

• Tonsillitis

• Tooth Extraction

• Toothache

• Torn Ligament

• Torticollis (Wry

Neck)

• Trichomycosis

• Trigeminal Neuralgia

• Turner’s Syndrome

• Twisted Testicle

• Umbilical Hernia

• Underactive Thyroid

• Undescended

Testicle

• Urethritis (fully

• URTI (Upper

Respiratory

Tract Infection)

(resolved, no further

treatment)

• Urticaria

• Uterine Polyp(s)

• Uterine Prolapse

• Varicocele

• Varicose Veins - legs

only, never any

ulcers or cellulitis (if

GP has confirmed

that client is fit to

travel)

• Vasectomy

• Verruca

• Vertigo - provided

no disabling

episodes

• Vitiligo

• Warts (benign, nongenital)

• Womb Prolapse

(uterus)

• Wry Neck

(Torticollis)

Admiral Travel Insurance Policy - PW/ADM/00501a Page 3 of 27

Important Notes

We would like to draw Your attention to important features of Your policy

including:

• Emergency Medical Expenses: This policy is NOT a Private Medical

Insurance policy, and does not provide cover for procedures that can

be carried out in Your country of residence after repatriation or for any

medical expenses incurred in private facilities if a medically suitable State

facility is available.

• Material Facts: You must declare to Us all Material Facts that are likely to

affect this insurance. Failure to do so may prejudice entitlement to claim.

If You are uncertain as to whether a fact is material, You should declare

it to Us by calling Our Travel Helpline as quoted on Your certificate of

insurance. Please refer to the definition of a ‘Material Fact’ in the Meaning

of Words.

• Health: This policy contains restrictions regarding Pre-existing Medical

Conditions which unless declared and accepted by the Insurers in writing

prior to travel may invalidate any subsequent claim. If You are in any

doubt as to whether You would be covered by the policy please call the

Medical Screening Helpline.

• Changes in health or medication: You must contact Us and declare any

changes in Your health or Your medication that occur between the date

You take our this policy and the date You start any Trip.

• Cruising: If You intend living on a cruise ship and travelling for extended

periods of time during your Trip then you must purchase the Cruise Cover.

• Cancellation & Curtailment cover: It is important to note that the policy

contains conditions and exclusions in relation to non insured travelling

companions, Close Relatives or persons with whom You intend to stay

whilst on Your Trip, in the event of any need to cancel or curtail a Trip

as a result of changes in their health. Please refer to the ‘Important

Limitations - Cancellation & Curtailment Cover’ section for full details.

• Age Limit: No Section of this policy shall apply in respect of any person

who has reached the age of 75 years at the commencement of the Period

of Insurance for Single Trip policies and 65 years for Annual policies and

in respect of any person who has reached the age of 46 years at the

commencement of the period of insurance for Backpacker policies.

• Special Sports & Activities: This policy specifically excludes participating

in or practising for certain sports and activities shown in Table E in the

Special Sports and Activities section. Your policy includes certain Special

Sports and Activities as shown in Tables A & B. Special Sports and

Activities shown in Table C & D however can only be included by extending

cover (as detailed under the Optional Special Sports & Activities Cover

section) when You have paid an appropriate additional premium. Your

policy can be extended before departure from the Home Country. If You

are going to take part in Special Sports and Activities where there may

be a high risk of injury or if You are in any doubt as to whether cover

will apply, please call the Travel Helpline as quoted on Your Certificate

of insurance..

• Trip Limits: This policy contains strict limits on the length of time You can

spend travelling abroad on each Trip. Please refer to the definition of the

‘Trip’ in the Meanings of Words. IF YOU TRAVEL FOR MORE THAN THE

NUMBER OF DAYS FOR WHICH YOU HAVE PAID FOR COVER, YOU WILL

NOT BE COVERED AFTER THE LAST DAY FOR WHICH YOU HAVE PAID.

Trips must commence and end in Your Home Country and a return ticket

must have been booked prior to departure. If You have purchased a One

Way Trip a return ticket is not required but the cover is limited, please see

the definition in the Meaning of Words.

• Medical Emergency: In the event of a medical emergency You must contact

Us as soon as possible. You MUST contact Us before incurring expenses

in excess of £500, except in case of emergency. In case of emergency,

if You are physically prevented from contacting Us immediately, You or

someone designated by You must contact Us within 48 hours.

• Pregnancy and Childbirth: Cover under this policy is provided for

unforeseen events. In particular, cover is provided under Section 2 for

unforeseen bodily injury or illness. Pregnancy and Childbirth are not

considered to be either an illness or injury. For the avoidance of doubt,

please note that cover is ONLY given under Sections 2, 4, 5 and 6 of this

policy for claims arising from Complications of Pregnancy and Childbirth.

Please make sure You read the definition of Complications of Pregnancy

and Childbirth given under the Meaning of Words.

• Third Party Liability: If You use any form of mechanically propelled vehicle,

(e.g. car, motor cycle, moped or scooter), sail or powered boat, or an

aircraft, no liability cover will apply under this policy and You must ensure

that You have cover for third party injury or property damage in place.

• Personal Possessions: While this policy provides cover for Your Personal

Luggage, if You are planning to take expensive items such as sophisticated

photographic equipment, jewellery and other Valuables with You then You

should check that You have adequate personal possessions cover, under

a home contents insurance. The maximum We will pay under this policy

for Valuables owned by all Insured Persons is limited to £100 in total for

Economy policies or £200 in total for Standard and Backpacker or £250

for Premier policies (or £75 in total if the Insured Person is aged under 18).

Personal Luggage claims are paid based on the value of the goods at the

time that they are lost and not on a ‘new for old basis’ or replacement cost

basis; thus a deduction is made for wear, tear, and depreciation. Payment

of any claims in respect of any one article or Pair or Set of articles will

be limited to £50 unless satisfactory proof of ownership is submitted.

Evidence of replacement value is not sufficient.

• Policy Limits: Most Sections of Your policy have limits on the amount the

Insurer will pay under that Section. Some Sections also include other

specific limits, for example: For any one item or for Valuables in total. You

are advised to check Your policy.

• Policy Excess: Under most Sections of the policy, claims will be subject

to an Excess. This means that You will be responsible for paying the first

part of the claim per Insured Person each and every incident, each and

every section of cover. A definition of Policy Excess is in the Meaning of

Words.

• Reasonable Care: You need to take all reasonable care to protect yourself

and Your property, as You would if You were not insured.

Important Health Requirements

You must comply with the following conditions in order to have full protection

under this policy. If You do not comply We may, at Our discretion, cancel

the policy, refuse to deal with Your claim or reduce the amount of any claim

payment.

This insurance operates on the following basis:

1. To be covered, You must be healthy, fit to travel and to undertake Your

planned Trip;

2. The insurance will NOT cover You when You are travelling against the

advice of a Medical Practitioner (or would be travelling against the advice

of a Medical Practitioner had You sought his/her advice);

3. The insurance will NOT cover You when You are travelling with the intention

of obtaining medical treatment or consultation abroad;

4. The insurance will NOT cover You if You have any undiagnosed symptoms

that require attention or investigation in the future (that is symptoms for

which You are awaiting investigations/consultations, or awaiting results

of investigations, where the underlying cause has not been established).

No claim arising directly or indirectly from a Pre-existing Medical Condition

affecting You will be covered unless:

• You have declared ALL Pre-existing Medical Conditions to Us; and

• You have declared any changes in Your health or prescribed medication;

and We have accepted the condition(s) for insurance in writing.

Each Insured Person who has a Pre-existing Medical Condition must make a

Medical Health Declaration before each Period of Insurance and, if there are

any changes in Your health or prescribed medication, prior to commencement

of the Period of Insurance or departing on any Trip. Failure to declare ALL Preexisting

Medical Conditions that are relevant to the insurance may invalidate

the policy.

We may require You to obtain a medical report from Your General Practitioner

or Consultant in order to assess whether cover applies. Any costs incurred in

obtaining this medical report shall be borne by You.

Based on Our assessment of the medical information supplied to Us, We will

decide whether or not the person is suitable for insurance, if certain exclusions

or restrictions should be imposed, or if cover can be offered subject to the

payment of an additional premium. If We offer cover, and, if the cover is subject

to the payment of an additional premium, cover will not commence until full

payment has been received by Us and written confirmation has been provided

by Us.

To declare a Pre-existing Medical Condition or a change in Your state of health

or prescribed medication, You should contact the Medical Screening Helpline

during office hours on: 00 44 (0) 1293 652861 or 0843 658 0267.

You should also refer to the General Exclusions.

Admiral Travel Insurance Policy - PW/ADM/00501a Page 4 of 27

Important Limitations - Cancellation & Curtailment Cover

This policy will NOT cover any claims under Section 6 (Cancellation &

Curtailment) arising directly or indirectly from any Pre-existing Medical

Condition known to You prior to the commencement of the Period of Insurance

affecting any Close Relative or travelling companion who is not insured under

this policy, or person with whom You intend to stay whilst on Your Trip if:

• a terminal diagnosis had been received prior to the commencement of the

Period of Insurance;

• or if they were on a waiting-list for, or had knowledge of the need for,

surgery, inpatient treatment or investigation at any hospital or clinic at

the commencement of the Period of Insurance;

or if during the 90 days immediately prior to the commencement of the Period

of Insurance they had:

• required surgery, inpatient treatment or hospital consultations; or

• required any form of treatment or prescribed medication.

Emergency Assistance 24 Hours A Day

You should first check that the circumstances are covered by Your policy.

Having done this please contact the appropriate 24-hour telephone number

shown after the appropriate Section of cover. Give Your name, insurance

details, and as much information as possible. Please give Us a telephone, fax or

telex number where We can contact You or leave messages at any time of the

day or night.

To comply with the terms and conditions of the insurance You must obtain

Our prior authorisation before incurring any expenses over £500, except in

case of emergency. In case of emergency, if You are physically prevented from

contacting Us immediately, You or someone designated by You must contact

Us within 48 hours.

Reciprocal Health Agreements

If You intend travelling to European Union (EU) countries, the European

Economic Area (EEA) or Switzerland We would advise You to obtain a Form CM1

from Your local main Post Office. On returning this, duly completed, to the main

Post Office You will be issued with a European Health Insurance Card (EHIC),

which will entitle You to certain free or reduced cost health arrangements in

the EU, EEA or Switzerland.

(Full details are given in the DSS Leaflet No. T7 - Health Advice for Travellers.)

Please note: For claims under the section Medical Emergency & Repatriation

or the section Emergency Dental Treatment, no Policy Excess will apply when

You receive inpatient treatment (where medically necessary) at a state hospital

within the EU, EEA or Switzerland if You have used the European Health

Insurance Card to effectively reduce the cost of Your treatment or medicines.

When You are travelling to Australia and You register for treatment under the

national Medicare scheme, Medicare provides:

• free treatment as an in-patient or out-patient at a public hospital;

• subsidised medicines under the Pharmaceutical Benefits Scheme; and

• benefits for medical treatment provided by doctors through private

surgeries and Government Health Centres (not hospitals).

You must enrol at Medicare offices in Australia if You will be receiving treatment.

If You receive treatment before You enrol, Medicare benefits can be backdated,

if You are eligible. To be eligible You must be a resident of the United Kingdom

and will need to show Your British passport with an appropriate visa. If You do

not enrol at Medicare offices We may reject Your claim or limit the amount We

pay to You. If You need treatment which cannot be carried out under Medicare

You MUST contact Our 24 hours Emergency Service before seeking private

treatment. If You do not do so, We may reject Your claim or limit the amount

We pay to You.

If You hold an Irish passport You are entitled to free treatment as an in-patient

or out-patient at a public hospital. You will need to show Your passport at the

hospital.

For more information You should contact:

Health Insurance Commission, PO Box 1001, Tuggeranong, ACT 2901, Australia

or visit their website at: www.hic.gov.au

Meaning Of Words

Wherever the following words and phrases 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.

Business Associate: A partner, director or employee of Yours who is under 66

years of age, and resident in the country of Your Point of Departure, and has

a close working relationship with You, and without whom Your usual business

commitments could not be fulfilled.

Business Equipment: Computer equipment, communication devices and other

business related equipment which is carried by You in the course of Your Trip.

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 terms and conditions.

Civil Partner: A Civil Partner is someone who has entered into a formal

agreement with the Insured Person (known as a ‘civil partnership’) as a same

sex partner so that they have the same legal status as a married couple.

Close Relative: Spouse, Civil Partner or Common Law Partner, parent, parent-inlaw,

step-parent, legal guardian, children (including legally adopted and stepchildren,

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.

Complications of Pregnancy and Childbirth: For the purposes of this Policy

Complications of Pregnancy and Childbirth shall only be deemed to include

the following: toxaemia, gestational hypertension, pre-eclampsia, ectopic

pregnancy, hydatidiform mole (molar pregnancy), post partum haemorrhage,

retained placenta membrane, placental abruption, hyperemesis gravidarum,

placenta praevia, stillbirths, miscarriage, medically necessary emergency

Caesarean sections/medically necessary termination and any premature births

more than 8 weeks (or 16 weeks in the case of a known multiple pregnancy)

prior to the expected delivery date.

Cruise: A Trip where You spend extended periods living on a ship and which is

not an excursion taken as part of Your holiday.

Curtailment: Abandonment of a planned Trip, after commencement of the

outward journey, by return to Home earlier than on the scheduled return date.

Dependent Children: Your biological, step, adopted or foster children. Please

note for Annual Multi-Trip Policies Dependent Children can travel independently

of the main Insured Persons, provided they are accompanied at all times by a

responsible adult.

Family: The main Insured Person, his/her spouse or Common Law Partner, and

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 of Insurance, except those

countries or parts of countries where the Foreign & Commonwealth Office

(FCO) has advised against travel.

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: The UK Area.

Zone 2: Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium,

Bosnia-Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech

Republic, Denmark (including Faeroe Islands), Egypt, 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, UK

Area, Ukraine, and Vatican City.

Zone 3: All countries worldwide, excluding the United States, Canada, Bermuda

and the Caribbean.

Zone 4: Australia & New Zealand.

Zone 5: All countries worldwide.

Golf Equipment: Golf clubs, golf bags, non-motorised trolleys 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).

Home Country: The UK Area.

Insured Person or You/Your: Each person named on the Certificate and for

whom the appropriate premium has been paid, and at the commencement of

the Period of Insurance being not more than 74 years of age for Single Trip

policies and 64 years of age for Annual policies and not more than 45 years of

age for Backpacker policies.

Limits of Cover: Unless stated to the contrary, Our maximum liability in any one

Admiral Travel Insurance Policy - PW/ADM/00501a Page 5 of 27

Period of Insurance is limited to the amount stated in each section, per each

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 eyes. 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, for a charity

registered under the Charity Commission in England and Wales, the Scottish

Charity regulator or the Department for Social Development in Northern Ireland

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 metres 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 the section Medical

Emergency & Repatriation will be increased to £250 and application of Excess

Waiver will not delete this increased excess. Cover excludes interaction with

wild animals of any kind.

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, foreign currency and travellers cheques.

One Way Trip: Purchasing a ticket for a single direction of travel with no

intention of returning to the Home Country within the Period of Insurance.

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, and for which You have paid the appropriate premium up to a

maximum of 365 days.

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, 45

consecutive days, 62 consecutive days or 92 consecutive days depending

on the premium paid. Dependent Children can travel independently of

the main Insured Persons, provided they are accompanied at all times by

a responsible adult.

Backpacker policies: Cover applies as for Single Trip policies for one trip of

up to 12 months in duration. You can return to Your Home Country during

this period of insurance, however cover is not valid whilst in Your Home

Country 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 the Section Cancellation & Curtailment.

One Way Trips: The period of Insurance will cease upon whichever occurs

first of the following:

• when you first leave immigration control in the country of Your final

ticketed and declared destination

• the expiry of the period of cover subject to a maximum of 7 consecutive

days beyond arrival date of Your final ticketed and declared destination

Note: If You travel for more than the number of days for which You have paid

for cover, You will not be covered after the last day for which You have paid.

There is no cover under the section Cancellation & Curtailment 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 Home Call assistance continues 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 an independent specialist, 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 then Ski Equipment and Golf Equipment where You have

paid the appropriate additional premium.

• Note 2: This travel insurance is not intended to cover expensive items for

which You should take out full Personal Possessions insurance under Your

home contents policy.

Policy Excess: The first amount payable per Insured Person, each and every

incident, each and every section of cover, where the Policy Excess applies. The

Policy Excess is reduced to nil when You have paid the premium for Excess

Waiver except where stated.

• Note 1: In the event of an injury occurring as a result of voluntary

Manual Work, the Policy Excess under the section Medical Emergency &

Repatriation will be increased to £250 and the application of the Excess

Waiver will not delete this increased excess.

• Note 2: The Policy Excess specified in the summary of cover will be doubled

per Insured Person when You have selected the Double Excess option.

Pre-existing Medical Condition:

1. Any past or current Medical Condition that has given rise to symptoms

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

2. 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.

Public Transport: A train, bus, coach, ferry service or scheduled airline flight

(non internal) operating to a published timetable to join the booked travel

itinerary.

Redundancy, Redundant: You becoming unemployed under the Protection of

Employment Act. You must have been given a Notice of Redundancy and qualify

for payment under the current redundancy payments legislation.

The following are not included in the definition:

• Any employment which has not been continuous and with the same

employer;

• Any employment which is not on a permanent basis;

• Any employment which is on a short term fixed contract;

• Any instance where You had reason to believe that You would be made

redundant at the time of booking Your trip.

Resident: You are within Your Home Country and have been for at least six

months prior to the time of arranging this insurance.

Secure Luggage Area: Any of the following, as and where appropriate:

• The locked dashboard, boot or 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.

Ski Equipment: Skis, ski bindings, ski boots, ski poles, snowboard, snowboard

bindings and snowboard boots, owned or hired by You.

Special Sports and Activities: The activities listed under the 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 up to a maximum of 365 days; or

Annual Multi-Trip policies: a maximum of 31 consecutive days, 45

on the premium you have paid which take place entirely during the Period

of Insurance (or continue into the next Period of Insurance if Your contract

is renewed with Us, and is in force at the time of any incident resulting in

a claim); or

Backpacker policies: One trip of up to 12 months in duration depending on

the premium you have paid.

• Note 1: If You travel for more than the number of days for which You have

Admiral Travel Insurance Policy - PW/ADM/00501a Page 6 of 27

paid for cover, You will not be covered after the last day for which You

have paid.

• Note 2: Trips must commence and end in Your Home Country and a return

ticket must have been booked prior to departure.

• Note 3: Trips solely within Your Home Country are insured if You have

pre-booked at least three consecutive nights paid accommodation.

UK Area: Great Britain, Northern Ireland and the Isle of Man.

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: SOLID Försäkringar, org nr 516401-8482, PO Box 22068,

SE25022 Helsingborg, Sweden.

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, and at the commencement of the Period of Insurance

being not more than 74 years of age for Single Trip policies and 64 years of age

for Annual policies and not more than 45 years of age for Backpacker policies.

Upgrades

This policy contains different levels of cover, some of which do not apply unless

You have paid the appropriate additional premium. Any extra benefit You have

purchased is shown on Your Certificate. Please read the wording and ensure the

cover reflects Your requirements.

Upon the payment of an additional premium, You may upgrade Your travel

insurance coverage by purchasing any of the following upgrades prior to

commencement of Your Trip:

• Excess Waiver

Excess is reduced to nil when You have paid the premium for Excess Waiver

except where stated.

Manual Work, the Policy Excess under Section 2 (Medical Emergency &

Repatriation) will be increased to £250 and application of ExcessWaiver

will not delete this increased excess.

• Double Excess

All Policy Excesses specified on the summary of cover are doubled per

Insured Person when You have selected the Double Excess option.

• Optional Cruise Upgrade

Your policy can be extended to cover cruise holidays upon payment of the

appropriate additional premium.

• Optional Winter Sports Cover (Standard or Premier Single Trip and Annual

Multi-Trip Cover only)

Your policy can be extended to cover Winter Sports. (Please refer to the

Optional Winter Sports Cover Section in this policy for full details.)

• Optional Golf Cover (Standard or Premier Single Trip and Annual Multi-Trip

Cover only)

Your policy can be extended to cover Golf Equipment and Non-refundable

golfing fees. (Please refer to the Optional Golf Cover Section in this policy

for full details.)

• Optional Business Cover (Standard or Premier Single Trip and Annual Multi-

Trip Cover only)

Your policy can be extended to cover Business Equipment. (Please refer to

the Optional Business Cover Section in this policy for full details.)

• Optional Special Sports and Activities Cover

Some Special Sports and Activities are automatically covered within the

policy. Your policy can be extended, subject to certain limitations, to cover

additional Special Sports & Activities. Please refer to the optional Special

Sports & Activities cover section in this policy for full details.

• Optional Wedding Cover

Your policy can be extended, subject to certain limitations for Wedding

Cover. Please refer to the Optional Weddings Cover section in this policy

forfull details.

Section 1 Personal Assistance Services

If You need to use any of the following services, please phone

00 44 (0) 843 658 0342 or 00 44 (0) 1293 652831.

What is covered:

We will pay the administration and delivery costs, up to a maximum of £250 for

each Trip in providing the following services:

Information about Your destination

We can provide information on:

• current visa and entry permit requirements for any country (if You have a

passport from a country other than the UK, We may need to refer You to

the UK Embassy or Consulate of that country);

• current requirements for vaccinations for any country in the world and

advice on current World Health Organisation warnings;

• arranging relevant vaccinations before Your Trip abroad (We will not pay

for these vaccinations);

• climate;

• local languages;

• time differences;

• main bank opening hours, including whether or not there is a bank holiday

during Your Trip; and

• motoring restrictions, regulations, Green Card and other insurance issues.

Transferring emergency funds

This service is separate from any insurance claim You make and is dependent

on You giving us permission to charge Your debit card or credit card for the

amount of the transfer in advance of Us transferring the money. We will transfer

emergency funds if You need them urgently. You can use this service when You

are not able to use Your normal financial and banking arrangements. Under this

policy We can transfer up to £500 from Your debit or credit card for each Trip.

If You are unable to give us permission to charge Your debit card or credit card

then You must make other arrangements to put the money into Our account in

the UK prior to us making the transfer.

Messages

We will send two urgent messages to a family member or work colleague in Your

home area after an illness, accident or a delay.

Replacing drugs

We will help You replace any drugs or medication You have lost, or prescription

glasses or contact lenses You have lost or broken if You cannot get them

overseas. If You need a blood transfusion, We can find You blood that is

compatible and deliver it to You.

What is not covered:

We will not pay the cost of any items or blood (unless You are insured under

another section of this policy), or the costs of providing any medication You

have forgotten to take on the Trip.

Medical referral

We will give You the names and addresses of local doctors, hospitals, clinics

and dentists when You need tests or minor treatment. If any other treatment

is involved, You must contact us as soon as possible, before You incur charges

of more than £500.

If Your child (aged under 18 years) who has been left at home becomes ill or

gets injured, We can provide medical advice and monitor the situation until You

return home.

Finding lost luggage

If the carrier loses or misplaces Your luggage during Your Trip, and they have

failed to solve the problem, We will help find and deliver Your luggage to You.

You will need to tell us Your luggage tag number.

Replacement travel documents

We will help You replace any tickets or travel documents that You lose or that

are stolen, and give You advice about suitable travel offices.

We will not pay the cost of any items insured under another section of this

policy.

Lost Credit Cards

If Your credit or charge cards are lost or stolen while You are abroad, We can

advise the appropriate card issuers.

Section 2 Medical Emergency & Repatriation

We will pay You the following costs, up to a maximum of £3,000,000 for

Economy, £5,000,000 for Standard or Backpacker and £10,000,000 for

Premier for each Insured Person who suffers sudden and unforeseen bodily

injury or illness, or who dies during a Trip outside their Home Country:

• Reasonable medical expenses for the immediate needs of an unforeseen

medical emergency. Included are Medical Practitioner’s fees, hospital

expenses, in-patient and out-patient medical treatment and charges for

medical transportation to the nearest suitable hospital abroad, when

deemed necessary by a recognised Medical Practitioner.

• Burial or cremation of a deceased Insured Person abroad or alternatively

transportation costs of returning Home an Insured Person’s body or ashes

up to a maximum of £5,000;

• Additional travelling costs to repatriate You Home when recommended

by Our medical officer. We will pay for the cost of a medical escort if

considered necessary.

We reserve the right to limit payment to what Our medical officer deems to be

reasonable.

Admiral Travel Insurance Policy - PW/ADM/00501a Page 7 of 27

If Our medical officer advises a date when it is feasible and practical to

repatriate You, but You choose instead to remain abroad, Our liability to pay

any further costs under this section after that date will be limited to what We

would have paid if Your repatriation had taken place.

a) costs in excess of £500 which have not been authorised by Us in advance

(see Important Notes);

b) any claims arising directly or indirectly as a result of any Pre-existing

Medical Conditions Conditions, unless You have declared ALL Pre-existing

Medical Conditions to Us and We have written to You accepting them for

insurance;

c) any pre-planned, pre-known or expected medical treatment or diagnostic

procedure;

d) treatment which, in the opinion of Our medical officer, can reasonably be

delayed until Your return to the country of departure;

e) any treatment which is not a surgical or medical procedure with the sole

purpose of curing or relieving acute unforeseen illness or injury;

f) any claims for costs related to pregnancy or childbirth unless the claim is

certified by a Medical Practitioner as necessary due to Complications of

Pregnancy and Childbirth;

g) treatment or services provided by a private clinic or hospital, health

spa, convalescent home or any rehabilitation centre unless confirmed as

medically necessary by Our medical officer;

h) treatment for cosmetic purposes unless Our medical officer agrees that

such treatment is necessary as the result of an accident covered under

this policy;

i) expenses incurred as a result of a tropical disease when You have not had

the recommended inoculations and/or taken the recommended medication;

j) any costs incurred in the Channel Islands which are recoverable under the

local health service;

k) any costs incurred in Your Home Country other than in connection with

transportation of You and Your remains to Home from abroad;

l) any costs incurred in Australia which would have been covered by Medicare

had You enrolled, and You failed to enrol in Medicare;

m) any costs where the transportation Home has not been arranged by Us;

n) any costs in respect of unused pre-paid travel costs when We have paid to

repatriate You;

o) air-sea rescue and transfer costs;

p) the Policy Excess except where:

--

You have paid the Excess Waiver premium; or

You have received inpatient treatment at a state hospital within the

European Union, European Economic Area or Switzerland and You have

used a European Health Insurance Card to effectively reduce the cost of

Your treatment or medicines;

q) any costs incurred when engaging in Special Sports and Activities included

in Table C & Table D unless You have paid the appropriate Special Sports &

Activities premium;

r) any costs incurred by You when You are engaging in Winter Sports unless

You have paid the Winter Sports premium;

s) anything mentioned in the General Exclusions.

In An Emergency

Having done this please contact the number shown below, giving Your name,

Certificate number, and as much information as possible.

Please give Us a telephone, fax or telex number where We can contact You or

leave messages at any time of the day or night.

To comply with the terms and conditions of the insurance You MUST contact

Us as soon as possible. You MUST obtain Our prior authorisation before

incurring any expenses over £500, except in the case of an emergency. In case

of emergency, if You are physically prevented from contacting Us immediately,

You or someone designated by You must contact Us within 48 hours.

For assistance outside U.K. dial: 00 44 (0) 843 658 0343 or

00 44 (0) 1293 652842

Section 3 Emergency Dental Treatment

We will pay You up to a maximum of £350 for Economy, Standard or Backpacker

and £500 for Premier per each Insured Person for the costs of providing

necessary temporary treatment for the immediate relief of pain or discomfort,

and/or emergency repairs to dentures and orthodontic appliances carried out

solely to alleviate distress in eating.

a) the costs of any subsequent permanent or routine treatment;

b) any pre-planned, pre-known or expected dental treatment or diagnostic

c) treatment which, in the opinion of Our medical officer, can reasonably be

d) any dental treatment or diagnostic procedure which is not solely for the

immediate relief of pain or discomfort, or to alleviate distress in eating;

e) normal wear and tear;

f) any self-inflicted damage, including damage caused by tooth-brushing or

any other oral hygiene activity;

g) any damage to dentures, other than whilst being worn by You;

h) dental treatment involving the provision of dentures or the use of precious

metals;

i) any costs incurred in the Home Country;

k) the Policy Excess except where:

l) any costs incurred when engaging in Special Sports and Activities included

m) any costs incurred by You when You are engaging in Winter Sports unless

n) anything mentioned in the General Exclusions.

Section 4 Additional Accommodation & Travelling Costs

On condition that You contact Us first and We make all the travel arrangements,

in the event of a valid claim for repatriation under the section Medical

Emergency & Repatriation, We will pay You up to a maximum of £1,000 for

Economy, £1,500 for Standard or Backpacker and £2,000 for Premier per Trip

for the following:

• If Our medical officer confirms that it is medically necessary for You to be

accompanied on the Trip Home, and the return journey cannot take place

on the original scheduled date, We will pay for the additional travelling

costs and accommodation costs incurred by one person staying with You

and accompanying You on the Trip Home.

• Additional travelling and accommodation costs arranged by Us for one

person required, on medical advice, to fly out to You and accompany You

Home.

• A return journey air ticket plus reasonable accommodation costs to enable

a Business Associate, where necessary, to replace You in Your location

outside the Home Country following Your medical repatriation or death

during a Trip.

• Additional travelling costs incurred in returning Home Your children under

18 years of age and insured under this policy if You are incapacitated and

there is no other responsible adult to supervise them. A competent person

will be provided to accompany the children Home.

a) any air travel costs in excess of a return economy/tourist class ticket;

b) accommodation costs other than the cost of the room;

c) for each child to be repatriated, their air travel costs in excess of a one-way

economy/tourist class ticket;

d) any claims for costs related to pregnancy or childbirth unless the claim is

e) anything mentioned in the General Exclusions.

Section 5 Hospital Daily Benefit

For Standard, Backpacker or Premier policies only. In the event of a valid claim

under the sections Medical Emergency & Repatriation and Emergency Dental

Treatment, when You are admitted to a recognised hospital abroad as an

in-patient for more than 24 continuous hours, We will pay You the sum of £25

per each Insured Person per complete 24 hours of in-patient treatment up to a

maximum of £100 Standard or Backpacker and £600 Premier per each Insured

Person.

a) any claim arising in connection with a Trip solely within the Home Country;

b) any claim if You have purchased Economy cover;

c) any claims for costs related to pregnancy or childbirth unless the claim is

d) anything mentioned in the General Exclusions.

Admiral Travel Insurance Policy - PW/ADM/00501a Page 8 of 27

Section 6 Cancellation & Curtailment

Cancellation & Curtailment

We will pay You up to a maximum of £1,000 Economy/£2,000 Standard or

Backpacker/£5,000 Premier per each Insured Person in total under this policy

for financial loss You suffer, being non-refundable deposits and amounts You

have paid (or have contracted to pay), for travel and accommodation You do not

use because of Your inability to commence travel or complete the Trip.

Cancellation cover applies if You have booked a Trip to take place within the

Period of Insurance, but You are forced to cancel Your travel plans because of

one of the following changes in circumstances, which is beyond Your control,

and of which You were unaware at the time You booked the Trip. Please see also

the section Travel Delay cover.

Curtailment cover applies if You are forced to cut short a Trip You have

commenced, and return to the Home Country, because of one of the following

changes in circumstances which is beyond Your control, and of which You were

unaware at the time You booked the Trip.

• Unforeseen illness, injury or death of You, a Close Relative or any person

with whom You have arranged to travel or stay during the Trip.

• You abandoning Your Trip following the cancellation of or a delay of more

than 12 hours in the departure of Your outward international flight, seacrossing,

coach or train journey, forming part of the booked Trip’s itinerary,

as a result of Strike or Industrial Action (of which You were unaware at the

time You booked the Trip), adverse weather conditions, or the mechanical

breakdown of, or accident of, the aircraft, sea vessel, coach or train.

• You or any person with whom You plan to travel being called up for Jury

Service or being subpoenaed as a witness in a Court of Law (other than in a

professional or advisory capacity).

• If You are made Redundant and You qualify for Redundancy payment under

current legislation.

• Accidental damage, burglary, flooding or fire affecting Your Home,

occurring during the Trip or within 48 hours before You depart,when the

loss relating to Your Home is in excess of £1,500 and Your presence is

required by the police in connection with such events.

• Your compulsory quarantine.

• Cancellation or Curtailment of any one component part or series of parts

of the booked trip travel arrangements arising solely from the error,

insolvency, omission, default or otherwise of each provider on which

the performance of any other component part or series of parts of the

itinerary depends.

The maximum amount We will pay You under this section is £1,000

Economy/£2,000 Standard or Backpacker/£5,000 Premier per each Insured

Special conditions relating to claims

You must obtain a medical certificate from the Medical Practitioner in

attendance and Our prior approval to confirm the necessity to return Home

prior to the scheduled return date of the Trip in the event of unforeseen

illness or injury.

In the event of Curtailment, You must contact Us first and allow Us to make all

the necessary travel arrangements.

If, at the time of requesting Our assistance in the event of a Curtailment claim,

satisfactory medical evidence is not supplied in order to substantiate that the

claim is due to an unforeseen illness, injury or death of You, a Close Relative,

travelling companion or person with whom You have arranged to stay whilst

on Your Trip, We will make all necessary arrangements at Your cost and

arrange appropriate reimbursement as soon as the claim has been validated.

You must notify the Carrier or travel agent immediately You know the Trip is to

be cancelled or curtailed, to minimise Your loss as far as possible. If You fail to

notify the Carrier or travel agent immediately it is found necessary to cancel

the Trip, Our liability shall be restricted to the cancellation charges that would

have applied had failure not occurred.

If You cancel the Trip due to unforeseen illness or injury You must provide a

medical certificate from the treating general practitioner (GP) stating that

this prevented You from travelling.

If Your outward international flight, sea-crossing, coach or train journey is

cancelled by the Carrier, You must produce to Us written documentation

provided by the Carrier, specifying the reason for the cancellation.

If You cancel, curtail or interrupt Your Trip because Your presence is required

by the police in connection with accidental damage, burglary, flooding or

fire affecting Your Home during Your Trip, You must produce to Us written

documentation from the police confirming that the loss or damage occurred

during the Trip - otherwise no claim will be paid.

Curtailment claims will be calculated from the date of return to Your Home

Country.

a) any disinclination to travel or continue travelling, unless Your change of

travel plans is caused by one of the circumstances listed under What is

covered;

b) any claim arising directly or indirectly from a known Pre-existing Medical

Condition affecting You unless You have declared ALL Pre-existing Medical

Conditions to Us and We have written to You accepting them for insurance;

c) any claim arising directly or indirectly from a Pre-existing Medical

Condition, known to You prior to the commencement of the Period of

Insurance, affecting any Close Relative, travelling companion who is not

insured under this policy or person with whom You intend to stay whilst

on Your Trip if:

• a terminal diagnosis has been received prior to the commencement of

the Period of Insurance;

• they were on a waiting-list, or had knowledge of the need for, surgery,

inpatient treatment or investigation at any hospital or clinic at the

commencement of the Period of Insurance;

or if during the 90 days immediately prior to the commencement of the

Period of Insurance they had:

• required any form of treatment or prescribed medication;

d) cancellation caused by pregnancy or childbirth unless the cancellation is

e) claims arising from actual or planned Strike or Industrial Action which was

common knowledge at the time You booked the Trip;

f) any costs in respect of any unused pre-paid travel costs when We have paid

to repatriate You;

g) withdrawal from service of the aircraft, sea vessel, coach or train on which

You are booked to travel, by order or recommendation of the regulatory

authority in any country. You should direct any claim in this case to the

transport operator involved;

h) change of plans due to Your financial circumstances except if You are

made Redundant and qualify for Redundancy payment under current EU

legislation;

i) any claim arising as a result of attendance of an Insured Person, or any other

person on whom the holiday plans depend, in a Court of Law. This exclusion

will not apply if You are called up for Jury Service or are subpoenaed as a

witness (other than in any professional or advisory capacity);

j) any costs relating to airport taxes, airport charges, service charges, facility

charges, user fees, security charges or air passenger duty. You should

obtain a refund from Your Carrier for such charges;

k) any cancellation or Curtailment caused by work commitment or amendment

of Your holiday entitlement by Your employer;

l) any claim resulting from Your inability to travel due to an Insured Person’s

failure to hold, obtain or produce a valid passport or any required visa in

time for the booked Trip;

m) withdrawal from service of the aircraft on which You are booked to travel

as a result of ash or other debris arising from a volcano. You should direct

any claim in this event to the transport operator involved;

n) prohibitive regulations by the Government of any country, or delay or

amendment of the booked Trip due to Government action;

o) the Policy Excess except where You have paid the Excess Waiver premium.

If You are claiming only for loss of deposit then the excess is reduced to

£20 per Insured Person per claim;

p) the cost of this policy;

q) anything mentioned in the General Exclusions.

Section 7 Travel Delay

For Standard, Backpacker or Premier policies only, if the departure of any

international flight, sea crossing or coach or train journey forming part of a

booked Trip and specified on Your ticket, is delayed as a direct result of Strike,

Industrial Action, adverse weather conditions, failure of air traffic control

systems, or mechanical breakdown of aircraft, sea vessel, coach or train:

• For more than 12 hours beyond the intended departure time: We will pay

You the sum of £20 per each Insured Person for the first 12 hours Your

departure is delayed and a further £10 per each Insured Person for each

subsequent full 12 hours delay, up to a maximum of £300 in all per each

Insured Person per Trip; or

• For more than 12 hours beyond the intended departure time on the first

outbound flight, sea crossing, coach or train, You can choose instead

to abandon Your Trip and submit a cancellation claim under the section

Cancellation & Curtailment; or

• If the flight, sea crossing, coach or train is cancelled and no alternative

provided within 12 hours of the intended departure time, the cost of

buying a replacement ticket up to a maximum of £500 Standard or

Backpacker/£1,500 Premier per each Insured Person.

If You suffer delays You must obtain written confirmation from the Carrier

stating the period and reason for delay.

a) claims arising from actual or planned Strike or Industrial Action which was

common knowledge at the time You made travel arrangements for the Trip;

b) withdrawal from service of the aircraft, sea vessel, coach or train on which

Admiral Travel Insurance Policy - PW/ADM/00501a Page 9 of 27

authority in any country. You should direct any claim to the transport

operator involved;

c) claims where You have not obtained written confirmation from the Carrier

stating the period and reason for delay;

d) withdrawal from service of the aircraft on which You are booked to travel

e) any claim if You have purchased Economy cover;

f) anything mentioned in the General Exclusions.

Section 8 Missed Departure on The Outward Journey

For Standard, Backpacker or Premier policies only, We will pay You for

reasonable additional travelling and accommodation expenses necessarily

incurred to reach the booked destination by the most direct alternative route,

up to a maximum of £800 Standard or Backpacker and £1,000 Premier per

each Insured Person if You arrive at the airport, port or international coach or

rail terminal to depart Your Home Country too late to commence the outward

international journey abroad of Your booked Trip, as a result of:

• Breakdown of or accident involving the vehicle in which You are travelling;

or

• Cancellation or Curtailment of scheduled Public Transport due to adverse

weather conditions, Strike or Industrial Action or mechanical breakdown

or accident.

We will provide assistance by liaising with the Carrier and/or tour operator to

advise of Your late arrival and, as necessary, We will make arrangements for

overnight hotel accommodation and alternative international travel.

You must take every reasonable step to commence and complete the journey

to the departure point and check in for the flight, sea crossing, coach or train

journey on time.

You must obtain written confirmation from the Carrier stating the period and

reason for delay.

c) additional costs where the scheduled Public Transport operator has

offered reasonable alternative travel arrangements;

d) claims for additional mechanical wear and tear or depreciation of Your

vehicle or for mileage charges other than additional fuel and oil;

e) claims under this section in addition to claims under the section for Travel

Delay;

f) withdrawal from service of the aircraft on which You are booked to travel

g) claims due to You allowing insufficient time to complete Your journey to

the departure point;

h) the Policy Excess except where You have paid the Excess Waiver premium

i) any claim if You have purchased Economy cover;

j) anything mentioned in the General Exclusions.

Section 9 Personal Luggage

If, in the course of a Trip, Your Personal Luggage is damaged, stolen, destroyed

or lost (and not recovered), We will pay You up to a maximum of £1000

Economy/£1,500 Standard or Backpacker/£2,000 for Premier per each Insured

Person in total under this policy.

Within this amount the following sub-limits apply:

• The maximum We will pay You for any one article, or for any one Pair or

Set of articles, is £100 Economy/£200 Standard or Backpacker/£250

Premier per each Insured Person (or £75 if the Insured Person is aged

under 18). If You cannot provide an original receipt, valuation report or

other satisfactory proof of ownership (for example, a photograph of You

wearing the article) and value to support the claim, payment for any one

article, or for any one Pair or Set of articles, will be limited to a maximum of

£50. Evidence of replacement value is not sufficient.

• The maximum We will pay You for all articles lost, damaged or stolen in any

one incident is limited to £50 if You cannot provide satisfactory proof of

ownership and value.

• The maximum We will pay You under this policy for all Valuables owned

by each Insured Person is limited to £100 Economy/£200 Standard or

Backpacker/£250 Premier per each Insured Person (or £75 if the Insured

Person is aged under 18).

• The maximum We will pay You for sunglasses or prescription glasses of any

kind is limited to £150 per each Insured Person.

• The maximum we will pay for mobile telephones is limited to £100 per

Insured Person

• The maximum We will pay You for Personal Luggage or Valuables lost,

damaged or stolen from a beach or pool-side is limited to £100 per each

• The maximum We will pay You for any cigarettes or alcohol lost, damaged

or stolen is limited to £50 in total under this policy.

We have the option to either pay You for the loss, or replace, reinstate or

repair the items concerned.

Claims are paid based on the value of the goods at the time that they are lost

and not on a ‘new for old basis’ or replacement cost basis; thus a deduction

is made for wear, tear, and depreciation, bearing in mind the age of the items.

You must take suitable precautions to secure the safety of Your Personal

Luggage, and must not leave it unsecured or Unattended or beyond Your

reach at any time in a place to which the public have access.

If claiming for Your goods that were stolen or lost You should produce proof

of purchase of the original goods by way of receipts, credit card or bank

statements, as failure to do so may affect the assessment of the claim.

Within 24 hours of discovery of the incident, You must report loss of Personal

Luggage to the local police or to the Carrier, as appropriate, (damage to

Personal Luggage in transit must be reported to the Carrier before You leave

the baggage hall and a Property Irregularity Report (PIR) must be obtained),

or to Your hotel or accommodation management, or to the tour operator

representative. You must produce to Us written documentation from one of

the parties listed above confirming that the loss or theft occurred during the

Trip - otherwise no claim will be paid.

a) any item loaned, hired or entrusted to You;

b) any loss, theft of, or damage to Personal Luggage left in an Unattended

motor vehicle if:

the items concerned have not been locked out of sight in a Secure

Luggage Area;

no forcible and violent means have been used by an unauthorised person

to affect entry into the vehicle; and

no evidence of such entry is available;

c) theft of Valuables from an Unattended motor vehicle;

d) loss, theft of, or damage to, Valuables from checked-in luggage left in the

custody of a Carrier and/or Valuables packed in luggage left in the baggage

hold or storage area of a Carrier;

e) electrical or mechanical breakdown or derangement of the article insured;

f) wear and tear, damage caused by moth or vermin, denting or scratching, or

any process of dyeing or cleaning;

g) confiscation or detention by Customs or other lawful officials and

authorities;

h) contact or corneal lenses; dentures; bonds; securities; stamps or documents

of any kind, including driving licences and passports; musical instruments;

typewriters; glass; china; antiques; pictures; pedal cycles; hearing aids;

coupons; vehicles or accessories; boats and/or ancillary equipment;

samples or merchandise or business goods or specialised equipment

relating to a trade or profession, unused mobile telephone rental charges

or pre-payments;

i) damage to fragile or brittle articles unless by fire or resulting from an

accident to a sea going vessel, aircraft or vehicle;

j) liability in respect of a Pair or Set of articles where We shall be liable only

for the value of that part of the Pair or Set which is lost or damaged;

k) sports’ gear whilst in use;

l) equipment used in connection with any Winter Sports, Golf, Business

or Special Sports and Activities Table C & D unless You have paid the

appropriate additional premium to extend Your policy;

m) loss or theft of or damage to Money;

n) losses from a roof or boot luggage rack (other than losses of camping

equipment, which remains covered under this section);

o) the Policy Excess except where You have paid the Excess Waiver premium;

p) anything mentioned in the General Exclusions.

Section 10 Luggage Delay on Your Outward Journey

For Standard, Backpacker or Premier policies only, if Your luggage is certified

by the Carrier to have been lost or misplaced on the outward journey of a Trip

for a period in excess of:

• 24 hours but less than 48 hours, then We will pay an amount of up to £50

per Insured Person for the purchase of essential items.

• 48 hours but less than 72 hours, then We will pay an amount of up to £100

• 72 hours for Premier cover only, We will pay an amount of up to £150 for

Premier cover only policies per Insured Person for the purchase of essential

items.

Such sums will be refundable to Us if the luggage or any part of it proves to be

permanently lost and/or a claim is made under the Personal Luggage section.

Admiral Travel Insurance Policy - PW/ADM/00501a Page 10 of 27

You must provide receipts and a report from the Carrier confirming the length

of the delay - otherwise no payment will be made.

b) any claim in excess of £100 if You have purchased the Standard or

Backpacker Cover;

c) any claim if You have purchased Economy cover;

Section 11 Money, Passport & Travel Documents

• If during a Trip, the Money You are carrying on Your person or that You

have left in a safety deposit box is lost, stolen, damaged or destroyed, then

subject to the following conditions and exclusions, We will pay You up to a

maximum of £200 Economy/£350 Standard or Backpacker/£500 Premier

per each Insured Person in total, and a maximum of £200 in respect of bank

notes, currency notes and coins.

The maximum We will pay for bank notes, currency notes and coins

belonging to an Insured Person aged under 18 years is £50.

• For Standard, Backpacker or Premier policies only. If Your passport or Travel

Documents are lost or stolen outside the country of departure during a

Trip, We will pay You up to a maximum of £200 per each Insured Person

(or £100 if the Insured Person is aged under 18) in respect of reasonable

additional travel and accommodation expenses You incur abroad to obtain

a replacement passport. We do not cover the replacement cost of the

passport itself or other Travel Documents.

Within 24 hours of discovery of the incident You must report loss of Money

or Your passport or Travel Documents to the local police or to the Carrier, as

appropriate, or to Your hotel or accommodation management, or to the tour

operator representative.

You must produce to Us written documentation from one of the parties listed

above confirming that the loss or theft occurred during the Trip - otherwise

no claim will be paid.

You must produce to Us evidence of the withdrawal of bank notes, currency

notes or coins - otherwise no payment will be made.

a) shortages or loss due to error, omission, depreciation in value, or

confiscation or detention by Customs or other lawful officials and

b) anything that can be replaced by the issuer;

c) the replacement cost of the passport;

d) the Policy Excess for passport except where You have paid the Excess

Waiver premium;

e) any claim for passport or Travel Documents if You have purchased Economy

cover;

Section 12 Personal Liability

If in the course of a Trip You become legally liable for accidental bodily injury

to, or the death of, any person and/or accidental loss of or damage to their

property, then:

On condition that there is no other insurance in force covering the loss, the

material damage or Your liability, We will cover You (or in the event of Your

death, Your legal personal representatives) against:

• All sums which You shall become legally liable to pay as compensation; and

• All law costs awarded to any claimant or incurred in the defence of any

claim that is contested by Us or with Our consent.

We will pay You up to a maximum, including costs, of £2,000,000 in total

under this policy. This limit applies to any and all claimants in any one Period

of Insurance affected by any and all occurrences with any one original cause.

a) injury to, or the death of, any member of Your family or household, or any

person in Your service;

b) property belonging to, or held in trust by You or Your family, household or

servant;

c) loss of or damage to property which is the legal responsibility of You

or Your family, household or servant. (This exclusion will not apply to

temporary accommodation which You occupy and for which You assume

contractual responsibility during Your Trip);

d) any liability which attaches by virtue of a contractual agreement, but which

would not exist in law in the absence of such an agreement;

e) claims for injury, loss or damage arising directly or indirectly from:

ownership or use of: airborne craft; horse-drawn, motorised,

mechanically-propelled or towed vehicles; vessels, sail or powered boats

(other than row boats, punts or canoes); animals (other than horses,

domestic dogs or cats); firearms;

the pursuit or exercise of any trade, profession or gainful occupation, or

the supply of goods and services by You;

the ownership or occupation of any land or building;

wilful or malicious acts;

f) liability or material damage for which cover is provided under any other

g) accidental injury or loss not caused through Your negligence;

h) any injury, illness, death, loss, expense or other liability attributable to

the transmission of any communicable disease or virus, or to HIV (Human

Immunodeficiency Virus) and/or any HIV related illness including AIDS and/

or any mutant derivatives or variations thereof however caused;

i) an Insured Person engaging in any Special Sports and Activities or Winter

Sports where this policy specifically states that Personal Liability cover is

excluded (regardless of whether the Special Sports and Activities or Winter

Sports premium has been paid);

j) any claim arising in connection with a Trip solely within the Home Country;

k) the Policy Excess except where You have paid the Excess Waiver premium;

l) anything mentioned in the General Exclusions.

Section 13 Personal Accident

If You suffer Accidental Bodily Injury during the Trip, which within 12 months is

the sole and direct cause of death or disablement, We will pay You or Your legal

personal representatives the following sums:

COVER PER INSURED Economy Standard Premier Backpacker

PERSON

Death £5,000 £5,000 £5,000 £5,000

Loss of one or more Limbs, £10,000 £25,000 £25,000 £25,000

or total and irrecoverable

Loss of Sight in one or both

eyes

Permanent Total

£10,000 £25,000 £50,000 £25,000

Disablement

a) injury not caused solely by outward, violent and visible means;

b) Your disablement caused by mental or psychological trauma not involving

Your bodily injury;

c) disease or any physical defect, infirmity or illness which existed prior to the

commencement of the Trip;

d) any payment per Insured Person in excess of £10,000 Economy/£25,000

Standard or Backpacker/£50,000 Premier;

e) any payment in excess of £1,000 arising from death of Insured Persons

under 18 years of age or over 65 years of age;

f) any payment in excess of £1,000 arising from the Permanent Total

Disablement of Insured Persons over 65 years of age;

g) any claim arising from Insured Persons over 45 years of age when you have

purchased the Backpacker policy;

h) an Insured Person engaging in any Special Sports and Activities or Winter

Sports where this policy specifically states that Personal Accident cover is

i) anything mentioned in the General Exclusions.

Section 14 Legal Protection

The following definitions apply only to this section:

We, Our, Us

SOLID Försäkringar, org nr 516401-8482, PO Box 22068, SE25022 Helsingborg,

Sweden.

Representative

The solicitor or other suitably qualified person appointed by Us in accordance

with this section of the policy.

Legal Costs and Expenses

We will advance on Your behalf up to £10,000 Economy/£15,000 Standard or

Backpacker/£50,000 Premier in total under this policy per Insured Person

(and in total for all Insured Persons in connection with any one event giving

rise to a claim) for legal costs and expenses directly incurred in the pursuit

of these proceedings. When We have begun proceedings on Your behalf and

You receive no compensation, or only limited compensation, We will cover You

against claims for fees, costs and expenses arising out of the proceedings,

to the extent that these fees, costs and expenses exceed the amount of any

compensation You have received, up to £10,000 Economy/£15,000 Standard

or Backpacker/£50,000 Premier in total under this policy per Insured Person

(and in total for all Insured Persons in connection with any one event giving rise

to a claim). This benefit will be offset against the advance described above.

Conditional Fee Agreement

The separate agreement between You and the Representative for paying his

or her professional fees which is an enforceable conditional fee agreement

within the meaning of sections 58, 58A, Courts and Legal Services Act 1990 (as

substituted and inserted by section 27, Access to Justice Act 1999).

Admiral Travel Insurance Policy - PW/ADM/00501a Page 11 of 27

Insured Event

An event which leads to a claim being made under this section of your policy.

Reasonable Prospects of Success

There must be throughout the duration of your claim a greater than 50% chance

of the claim being successful and a greater than 50% chance that damages will

be recovered. In addition, the amount of any damages must always be likely to

be greater than the anticipated unrecovered costs.

Limits of Cover

Up to £10,000 Economy/£15,000 Standard or Backpacker/£50,000 Premier.

This is the most we will pay for all claims resulting from one or more insured

events arising at the same time or from the same originating cause.

Conditions

In addition to the General Conditions set out in this policy:

1. The claim must always have reasonable prospects of success.

2. We shall have complete control over the legal proceedings through

Representatives We nominate up to the point where proceedings are

issued at which point You are free to nominate a suitably qualified person,

although We do not have to accept them.

3. Any Representative will be appointed by Us to represent You according to

Our standard terms, which may include a Conditional Fee Agreement or a

Contingency Fee Agreement.

4. If an award of compensation is made and payment is received by You, or by

a Representative instructed on Your behalf, then all sums advanced or paid

by Us shall be repaid out of the compensation received.

5. You must cooperate fully with Us and the Representative and follow their

advice and provide any information and assistance required by them within

a reasonable timescale.

6. You must advise Us of any offers of settlement made by any third party

and We may refuse to pay further legal costs if You do not accept any

reasonable offers of settlement or if You withdraw Your claim without Our

permission.

7. We may take over, conduct or negotiate, in Your name, any claim or legal

proceedings.

8. We will have direct contact with the Representative and You authorise

them to disclose any information or documentation We may ask for.

9. If We ask, You must have any legal costs taxed, assessed or audited.

10. You must take every step to recover any legal costs that We have to pay and

must repay to Us any legal costs recovered.

11. If the Representative refuses to continue acting for You with good reason

or You dismiss the Representative without good reason, the cover We

provide will end immediately.

12. We will not pay any claim covered under any other policy or any claim that

would have been covered under any other policy if this policy did not exist.

Exclusions

In addition to the General Exclusions set out in this policy, the following are

specifically excluded:

1. Any claim not notified to us within 90 days of the insured event occurring

or where notification is within the 90 days but where any delay has

nevertheless adversely effected the prospects of success.

2. Costs or expenses incurred without our prior authorisation.

3. The pursuit of a claim against Us, Our agent, the Representative or an

Insurer underwriting any Section of this policy.

4. Any claim relating to:

a) An illness which gradually develops and is not caused by a specific or

sudden event;

b) The driving of a motor vehicle for which you had no valid insurance;

c) Judicial review or coroner’s inquest;

d) Defending your legal rights, except for the defence of any

counterclaim1. Any fines, penalties, compensation or damages which you

are ordered to pay.

5. Any fines, penalties, compensation or damages which You are ordered to

pay.

6. Any claim where legal costs and expenses are based directly or indirectly

on the amount of compensation awarded and specifically which is capable

of being pursued under a Contingency Fee Agreement.

7. Legal costs and expenses incurred in any claim which is capable of being

pursued under a Conditional Fee Agreement.

8. Legal costs and expenses incurred if an action is brought in more than one

country.

9. The costs of any appeal.

10. Actions between Insured Persons or family members

11. Any claim arising in connection with a Trip solely within Your Home Country.

12. The Policy Excess

13. Anything mentioned in General Exclusions

Section 15 Withdrawal of Services

For Standard, Backpacker or Premier policies only, We will pay you up

to a maximum of £500 Standard or Backpacker/£750 Premier per each

Insured Person, if You suffer withdrawal of water, gas or electricity supplies

continuously for at least a 60 hour period during Your Trip.

a) any claim that results from a Strike or Industrial Action existing at the time

this insurance was issued;

b) any claim not supported by written confirmation from the tour operator

or hotel;

Section 16 Catastrophe

For Standard, Backpacker or Premier policies only, We will pay You up to a

maximum of £1,000 Standard or Backpacker/£1,500 Premier per each Insured

Person for the cost of providing other similar accommodation if Your booked

accommodation cannot be lived in because of a fire, flood, earthquake or storm.

a) any expenses that You can get back from any tour operator, airline, hotel or

other provider of services;

b) any expenses that You would normally have to pay during the period of

Your journey/holiday;

c) any claim resulting from You travelling against the advice of the appropriate

national or local authority. You must give Us a written statement from an

appropriate public authority confirming the reason and nature of the

disaster and how long it lasted;

d) any event that results in a claim under this section which was known about

before You left from Your international departure point;

e) any claim where You have not provided Us with evidence of all the extra

costs You had to pay;

f) any claim if You have purchased Economy cover;

g) anything mentioned in the General Exclusions.

Section 17 Pet Care

For Standard, Backpacker or Premier policies only, We will pay You the

sum of £20 per complete 24 hours up to a maximum of £200 Standard or

Backpacker/£300 Premier, for extra kennel or cattery fees if the departure

of Your final inward international flight, sea crossing, coach or train journey

forming part of a booked Trip and specified on Your ticket, is delayed as a direct

result of Strike, Industrial Action, adverse weather conditions, failure of air

traffic control systems, or mechanical breakdown of aircraft, sea vessel, coach

or train. You must be delayed by at least 24 hours.

stating the period and reason for delay. You must also get a written statement

from the appropriate kennel or cattery confirming any extra charges that You

have to pay.

b) claims where You have not obtained written confirmation from the Carrier

c) claims where You have not obtained written confirmation from the

appropriate kennel or cattery confirming any extra charges;

d) any claim arising in connection with a Trip solely within the Home Country;

e) any kennel or cattery fees You pay outside the Home Country as a result of

quarantine regulations;

f) any costs related to domestic pets other than cats or dogs that You own;

g) any claim if You have purchased Economy cover;

h) anything mentioned in the General Exclusions.

Section 18 Hijack

We will pay You the sum of £50 per complete 24 hours up to a maximum of £350

Standard or Backpacker/£500 Premier per each Insured Person if the aircraft

or sea vessel in which You are travelling is hijacked for more than 24 hours on

the original, pre-booked, outward journey or return journey.

a) any claim resulting from You acting in a way which could cause a claim

under this section;

b) You must give Us a written statement from an appropriate authority

confirming the hijack and how long it lasted;

c) any claim if You have purchased Economy;

Optional Winter Sports Cover

This policy specifically excludes participating in or practising for certain Winter

Sports and activities.

Admiral Travel Insurance Policy - PW/ADM/00501a Page 12 of 27

When are You covered for Winter Sports?

If You have purchased a Standard or Premier Single Trip policy You are covered

when taking part in Winter Sports if You have paid the appropriate additional

premium for the Period of Insurance.

If You have purchased a Standard or Premier Annual Multi-Trip policy You

can purchase Winter Sports cover for one Trip of up to 17 consecutive days

during the Period of Insurance when You have paid the appropriate additional

premium.

This policy will cover You when You are engaging in the following sports and

activities on a non-competitive and non-professional basis during Your Trip

when You have paid the additional Winter Sports premium:

• Big foot skiing

• Cat skiing

• Cross country skiing/Nordic skiing

• Glacier skiing

• Husky dog sleigh ride

• Ice fishing by snowmobile

(snowmobile driven by guides)

• Lasso throwing

• Monoskiing

• Off piste skiing or snow-boarding

(within local ski patrol guidelines)

• Reindeer sleigh ride

• Skiing

• Sledging/tobogganing

• Snowblading

• Snowboarding

• Tandem skiing

Your policy can be extended to cover the following sports and activities for an

additional premium, but no cover will apply in respect of any Personal Accident

or Personal Liability claims:

• Husky safari

• Ice fishing by snowmobile (snowmobile

not driven by guides)

• Ice sailing/ice windsurfing

• Reindeer safari

• Skidoo

• Snowmobiling

• Snowmobile safari

You will not be covered for any claims arising directly or indirectly when

engaging in or practising for the following sports and activities:

• Heli skiing or heli boarding

• Ice hockey

• Luging/bobsleighing

• Paraskiing

• Skeleton

• Ski acrobatics

• Ski jumping

• Ski racing

• Ski stunting

• Skiing off-piste outside recognised and

authorised areas

• Snowboarding off-piste outside

recognised and authorised areas

You are not covered when engaging in organised competitions or when skiing

against local authoritative warning or advice.

If You are undertaking a pursuit or activity which is not listed in this policy or

are in any doubt as to whether cover will apply, please call Our Travel Helpline

as quoted on Your Certificate of insurance.

What is covered?

Benefits under the sections of cover already described are extended to cover

Winter Sports. Please note that all terms, conditions and exclusions (except

where these are amended under this upgrade) continue to apply for all sections

in respect of Winter Sports. You must read these extensions in conjunction with

sections 1-18 and refer back to them when appropriate for full cover details.

Section 19 Cancellation or Curtailment

What is covered in addition to section 6:

• Financial loss You suffer in connection with deposits You cannot recover,

or for payments You have made (or have contracted to pay) for unused ski

pass or ski school fees.

• If You are certified by a Medical Practitioner at the ski resort as being

unable to ski as a direct result of injury or sudden and unforeseen illness

occurring during the Trip, We will pay You a proportionate refund in respect

of charges for unused ski pass or ski school fees.

a) any claim if You have purchased Economy or Backpacker cover;

b) anything mentioned in the General Exclusion.

Section 20 Skis, Ski Equipment & Ski Pass

What is covered in addition to section 9:

We will pay You up to a maximum of £500 Standard/£1,000 Premier per each

Insured Person if skis and Ski Equipment belonging to or hired by You is/are

damaged, stolen, destroyed or lost (and not recovered) in the course of a Trip.

• The maximum We will pay for one article owned by You is £500

Standard/£1,000 Premier .

• The maximum We will pay for one article hired by You is £250 Standard/£500

Premier .

We will pay You the sum of £75 per complete 24 hours up to a maximum of £300

Standard/£450 Premier per each Insured Person if Your ski pass that You are

carrying on Your person or have left in a safety box is lost, stolen, damaged or

destroyed in the course of a Trip.

Skis and Ski Equipment are covered against damage or loss whilst in use.

Skis are covered when locked to a roof rack, which is itself locked to the roof

of a vehicle.

You must take sufficient precautions to secure the safety of Your skis, Ski

Equipment and ski pass and must not leave them Unattended at any time in a

place to which the public has access.

a) the Policy Excess if skis or Ski Equipment belonging to or hired to You is/

are damaged, stolen, destroyed or lost (and not recovered) except where

You have paid the Excess Waiver premium;

b) any claim if You have purchased Economy or Backpacker cover;

c) anything mentioned in the General Exclusions.

Section 21 Piste Closure

If during a Trip You are prevented from skiing at the pre-booked resort for more

than 24 consecutive hours, because insufficient snow causes a total closure of

the lift system (other than baby drags and lifts used for transport within the

resort by non-skiers), We will pay You the sum of £20 per complete 24 hours

up to a maximum of £200 Standard/£300 Premier per each Insured Person:

• For all reasonable travel costs and lift pass charges You have to pay to

travel to and from a similar area to ski; or

• As a cash benefit payable if no suitable alternative sk iing is

available.

a) claims arising from closure of the resort lift system due to avalanches or

dangerous high winds;

b) Trips in the Northern Hemisphere outside the period commencing 1st

December and ending 31st March;

c) Trips in the Southern Hemisphere outside the period commencing 1st May

and ending 30th September;

d) any claim if You have purchased Economy or Backpacker cover;

Section 22 Avalanche or Landslide

If, following avalanches or landslides, access to and from the ski resort is

blocked or scheduled Public Transport services are cancelled or curtailed

We will pay You the sum of £20 per complete 24 hours up to a maximum of

£200 Standard/£300 Premier per each Insured Person for reasonable extra

accommodation and travel expenses. Evidence of limited access will be

required.

b) anything mentioned in the General Exclusions.

Section 23 Ski Hire

If Your luggage is certified by the Carrier to have been misplaced on the

outward journey of a Trip of more than 13 hours, then We will Pay You the sum of

£20 per complete 24 hours, up to a maximum of £200 Standard/£300 Premier

per Insured Person, for hire of replacement skis and Ski Equipment. You must

provide Us with receipts and written confirmation from the Carrier confirming

the delay.

Optional Golf Cover

If You have purchased Standard or Premier cover and have purchased a Single

Trip policy, Golf cover is included if You have paid the appropriate additional

premium for the Period of Insurance up to a maximum of 31 days and the cover

is shown on Your Certificate.

If You have purchased Standard or Premier cover and have purchased an Annual

Multi-Trip policy, You can purchase Golf cover for up to 31 days during the

Period of Insurance when You have paid the appropriate additional premium

and the cover is shown on Your Certificate.

Section 24 Golf Equipment

We will pay You up to a maximum of £1,000 Standard/£1,500 Premier per each

Insured Person, for accidental loss, theft of or damage to Golf Equipment which

You own.

• The maximum We will pay You for any one club or one piece of Golf

Equipment, is £500. If You cannot provide an original receipt, valuation

report or other satisfactory proof of ownership and value to support the

claim, payment for any one article, or for any one Pair or Set of articles,

will be limited to a maximum of £50. Evidence of replacement value is not

sufficient.

• The maximum We will pay You, in total, for all articles lost, damaged or

Admiral Travel Insurance Policy - PW/ADM/00501a Page 13 of 27

stolen in any one incident is limited to £200 if You cannot provide

satisfactory proof of ownership and value.

You must take suitable precautions to secure the safety of Your Golf

Equipment, and must not leave it unsecured or Unattended or beyond Your

Luggage to the local police or to the Carrier, as appropriate, (damage to Golf

Equipment in transit must be reported to the Carrier before You leave the

baggage hall and a Property Irregularity Report (PIR) must be obtained),

representative.

a) the Policy Excess except where You have paid the Excess Waiver premium;

b) more than £500 per single club or single item of Golf Equipment;

c) wear and tear, damage caused by moth or vermin, denting or scratching, or

any process of dyeing or cleaning.

d) Golf Equipment which is over three years old;

e) any claim for loss or theft of Golf Equipment if You have not notified the

police within 24 hours of its discovery and obtained a written report which

includes the crime reference number;

f) loss, theft of, or damage to, Golf Equipment from checked-in luggage left

in the custody of a Carrier and/or packed in luggage left in the baggage

g) claims arising from delay, detention, seizure or confiscation by Customs or

other officials;

h) claims for loss, theft or damage to anything being shipped as freight or

under a Bill of Lading;

i) damage to, loss or theft of Golf Equipment, which is being carried on a

vehicle roof rack;

j) damage to, loss or theft of Golf Equipment, if it has been left:

Unattended in a place to which the public have access; or

left in an Unattended motor vehicle; or

in the custody of a person who does not have an official responsibility

for the safekeeping of the property;

k) any claim for damage to Golf Equipment whilst in use;

l) any claim if You have purchased Economy or Backpacker cover;

m) anything mentioned in the General Exclusions.

Section 25 Golf Equipment Hire

If Your own Golf Equipment is lost, stolen, damaged, misdirected or delayed in

transit by more than 24 hours We will pay You £20 Standard/£25 Premier for

the cost of hiring the necessary Golf Equipment for each 24 hour period You

are without Your own golf equipment, up to £100 Standard/£150 Premier per

a) any claim for loss or theft of Golf Equipment if You have not notified the

b) any claim, if the loss or theft occurs during a journey or whilst in the

custody of an airline or other carrier or their handling agent of the incident

and obtained an official report or a Property Irregularity Report (PIR);

c) claims arising from delay, detention, seizure or confiscation by Customs or

d) claims for loss, theft or damage to anything being shipped as freight or

e) damage to, loss or theft of Golf Equipment, which is being carried on a

f) damage to, loss or theft of Golf Equipment, if it has been left:

unattended in a place to which the public have access; or

left in an unattended motor vehicle; or

g) any claim if You have purchased Economy or Backpacker cover;

Section 26 Green Fees

For Standard and Premier policies only, We will pay You the sum of £50

Standard/£75 Premier per complete 24 hours up to a maximum of £200

Standard/£300 Premier per each Insured Person for the proportionate value

of any non-refundable:

• Pre-paid green fees; or

• Golf Equipment hire fees; or

• Tuition hire fees.

Which are not used due to:

a) You being involved in an Accident; or

b) Your sickness; or

c) Adverse weather conditions which causes the closure of the golf course.

a) any claims arising directly or indirectly as a result of any Pre-existing

Medical Conditions, unless You have declared these to Us and We have

written to You accepting them for insurance;

b) claims arising directly from a medical condition which is not substantiated

by a report from the treating doctor confirming Your inability to play golf;

c) any claim if You have purchased Economy or Backpacker cover;

Optional Business Cover

If You have purchased Standard or Premier cover and have purchased a

Single Trip policy, Business Cover is included if You have paid the appropriate

additional premium for the Period of Insurance up to a maximum of 31 days.

Multi-Trip policy, You are covered when taking part in Business Trips for up to

31 days during the Period of Insurance when You have paid the appropriate

Section 27 Business Equipment

We will pay You up to a maximum of £1,000 Standard/£2,000 Premier in total

per Trip, for accidental loss, theft or damage to Your Business Equipment. We

will also pay for any emergency courier expenses You have incurred, in obtaining

any Business Equipment which is essential to Your intended business itinerary.

The maximum We will pay You for any one article or samples is £500

Standard/£750 Premier.

The maximum We will pay You for computer equipment is £750 Standard/£1,500

Premier.

The maximum We will pay You for Business Samples is £100 Standard/£500

We will pay You £50 Standard/£100 Premier for each 24 hour period up to a

maximum of £150 Standard/£300 Premier in total per Trip for the purchase of

essential items, if Your Business Equipment is delayed or lost in transit on Your

outward journey for more than 24 hours.

a) Your engaging in manual work in conjunction with any profession, business

or trade during the Trip;

b) the Policy Excess except where You have paid the Excess Waiver premium;

c) more than £50 per single item, up to a maximum of £200 in total for any one

claim if You are unable to provide the original receipt, proof of purchase or

an insurance valuation which was obtained prior to the loss;

d) wear tear or depreciation;

e) any claim for loss or theft of Your Business Equipment if You have not

notified the police within 24 hours of its discovery and obtained a written

report which includes the crime reference number;

f) any claim, if the loss or theft occurs during a journey or whilst in the

custody of an airline or other Carrier or their handling agent if You have not

notified the airline or other Carrier or their handling agent of the incident

h) damage caused by the leakage of powder or liquid carried with Your

Business Equipment;

i) any breakage of fragile articles, unless the breakage is caused by fire or an

accident involving the vehicle in which You are being carried;

j) claims for loss, theft or damage to anything being shipped as freight or

k) damage to, loss or theft of Your Business Equipment, if it has been left:

left in an unattended motor vehicle, unless they have been taken from

a locked boot between 8am-8pm local time and there is evidence of

forced entry, which is confirmed by a police report; or

l) any claim for Business Equipment delay, if You cannot supply receipts for

Admiral Travel Insurance Policy - PW/ADM/00501a Page 14 of 27

the essential items purchased and written confirmation from the Carrier as

to the length of the delay;

m) any claim if You have purchased Economy or Backpacker cover;

Section 28 Business Equipment Hire

If Your Business Equipment is lost, stolen, damaged, misdirected or delayed in

transit by more than 12 hours We will pay You the sum of £125 Standard/£150

Premier for the cost of hiring the necessary Business Equipment per complete

24 hours You are without Your Business Equipment, up to a maximum of £500

Standard/£750 Premier in total per Trip.

a) any claim for loss or theft of Business Equipment if You have not notified

the police within 24 hours of its discovery and obtained a written report

which includes the crime reference number;

b) any claim, if the loss or theft of Your own Business Equipment occurs

during a journey or whilst in the custody of an airline or other Carrier or

their handling agent and an official report or a Property Irregularity Report

(PIR) was not obtained;

c) claims arising from Your own Business Equipment being delayed, detained,

seized or confiscated by Customs or other officials;

e) damage to, loss or theft of Your own Business Equipment, which is being

carried on a vehicle roof rack;

f) damage to, loss or theft of Your own Business Equipment, if it has been left:

Section 29 Business Money

We will pay You up to a maximum of £250 Standard/£500 Premier in total

under this policy for the loss or theft of Your business money during Your Trip.

b) any claim for loss or theft of business money if You have not notified the

c) any claim, if the loss or theft of Your own business money occurs during

a journey or whilst in the custody of an airline or other Carrier or their

handling agent and an official report or a Property Irregularity Report (PIR)

was not obtained;

d) any loss if You have not taken reasonable steps to prevent a loss happening;

e) loss or theft of business money that is:

not on Your person; or

not deposited in a safe, a safety deposit box or similar fixed container in

Your Trip accommodation; or

loss or theft of business money that does not belong to:

Your employer; or

You, if You are self employed;

loss or theft of travellers cheques, if the issuer provides a replacement

service;

depreciation in value, currency changes or shortage caused by any error

or omission;

f) claims arising from delay, detention, seizure or confiscation by Customs or

g) anything that can be replaced by the issuer;

h) any claim if You have purchased Economy or Backpacker cover;

Section 30 Emergency Courier Expenses

We will pay You up to a maximum of £500 if, after loss, theft or damage to Your

Business Equipment that is covered under the section Business Equipment You

incur emergency courier expenses to replace Business Equipment essential to

Your intended business Trip. You must keep receipts for all courier expenses

You incur.

Section 31 Optional Wedding Cover

If You have purchased Economy, Standard or Premier Cover and have purchased

a Single Trip policy, Wedding Cover is included if You have paid the appropriate

additional premium for the Period of Insurance and the cover is shown on Your

certificate.

an Annual Multi-Trip policy, You can purchase Wedding cover for one Trip

premium and the cover is shown on Your certificate.

PERIOD OF INSURANCE

The Period of Insurance under sections E, F and G (Photographs and Videos,

Wedding Cars and Transport and Cakes and Flowers) commences on Your

wedding day and shall terminate on Your return to Your normal place of

residence or business in the Home country on completion of Your holiday.

Cover under all other sections shall commence at the time of leaving Your Home

or business (whichever is later) in the Home country and shall terminate on the

return of the Trip as specified in the itinerary but shall not exceed the period

stated in the Validation Certificate. In any event cover will commence no more

than 24 hours prior to the booked departure time from the Home country

and will cease no more than 24 hours after the booked return to the Home

country. Cover applies door-to-door, so the appropriate benefits (unless stated

SECTION A - ADDITIONAL CANCELLATION

• Financial loss You suffer in connection with deposits You cannot recover, or

for payments You have made (or have contracted to pay) if You are forced

to cancel because of one of the specified causes listed under Section 6. In

addition to the amounts specified in Section 6 We will pay a further £1,500

Economy/£3,000 Standard/£10,000 Premier policies.

a) any claim not covered under Section 6;

b) any claim if you have purchased Backpacker cover;

SECTION B - WEDDING RINGS

We will pay You up to a maximum of £1,000 Economy/£2,500 Standard/£5,000

Premier per ring for any loss or damage to the Bride’s or Bridegroom’s Wedding

Rings, occurring within the Period of Insurance. We will pay for the repair,

replacement or reinstatement of the lost or damaged ring at our option.

SECTION C - WEDDING GIFTS

We will pay You up to a maximum of £3,000 Economy/£5,000 Standard/£10,000

Premier per couple in the event of permanent loss or damage to your

Wedding Gifts during the Period of Insurance, for the repair, replacement or

reinstatement of the lost or damaged

Wedding Gifts.

SECTION D - WEDDING ATTIRE

We will pay You reasonable additional costs up to a maximum of £3,000

Economy/£5,000 Standard/£10,000 Premier per couple in the event of

permanent loss or damage to Your Wedding Attire during the Period of

Insurance, if You have to:

a) Repair the damaged item(s); or

b) Purchase similar replacement items.

What is covered (Applies to sections B, C and D):

If in the course of a Trip, Your Wedding Rings, Wedding Attire and/or Wedding

Gifts are damaged, stolen, destroyed or lost (and not recovered), We will pay

You up to a maximum limit per couple as stated under each section of this

We have the option to either pay You for the loss or replace, reinstate or repair

the items concerned.

Payment will be on the basis of the current value of the items concerned, after

a deduction for normal wear and tear and bearing in mind the age of the items.

You must take all normal precautions to secure the safety of Your Wedding

Rings, Wedding Attire and Wedding Gifts, and must not leave them unsecured

or outside Your reach or unattended at any time in a place to which the public

have access.

If You are claiming for stolen or lost goods You must produce a receipt for

the purchase of the original goods wherever possible, which will simplify

Our assessment of the claim and speed up payment. Within 24 hours of the

incident You must report loss of Your Wedding Rings, Wedding Attire and/or

Wedding Gifts to the local Police or to the Carrier, as appropriate, (damage to

Your Wedding Rings, Wedding Attire and/or Wedding Gifts in transit must be

reported to the Carrier). If You are unable to obtain a report from the Police,

then You must report the loss to Your hotel or accommodation management, or

to your Tour Operator representative.

You must produce to Us written documentation from one of these listed parties

confirming that the loss or theft occurred during the Trip - otherwise no claim

will be paid.

Admiral Travel Insurance Policy - PW/ADM/00501a Page 15 of 27

What is not covered (Applies to sections B, C and D):

b) any loss of from an unattended motor vehicle if:

c) theft of Valuables from an unattended motor vehicle, luggage in transit, or

from luggage left in the custody of the hotel;

d) wear and tear, damage caused by moth or vermin, denting or scratching,

atmospheric or climatic conditions, deterioration, depreciation or any

process of dyeing or cleaning;

e) confiscation or detention by Customs or other lawful officials and

f) bonds, securities, stamps or documents of any kind, musical instruments,

glass, china, antiques, pictures, coupons, personal organisers, portable

telephones,

g) televisions, portable CD and mini-disc players, vehicles or accessories,

boats and/or ancillary equipment, samples or merchandise or business

goods or

h) specialised equipment relating to a trade or profession;

j) losses from a roof or boot luggage rack;

k) the £50 Policy Excess except where You have paid the Excess Waiver

premium;

l) any claim if You have purchased Backpacker cover;

SECTION E - PHOTOGRAPHS AND VIDEOS

What is covered

Premier per couple for:

1. Reasonable additional costs incurred by the Insured Couple if the prebooked

professional photographer cannot appear at your wedding at the

specified time due to illness, injury or transport problems; and

2. Reasonable additional costs incurred by the Insured Couple to re-print or

re-take the professionally taken photographs or video(s) of the wedding if

the original photographs and video(s) are permanently lost or damaged up

to 14 days after the wedding.

If the professional photographer cannot appear, you should obtain written

confirmation of the reason he or she could not appear. In the event of loss

or damage to photographs, negatives or videos of your wedding whilst in the

custody of the photographer, you should obtain a written report confirming the

nature and extent of the damage.

Receipts for any additional costs incurred must be retained if a claim is to be

made under this section of the policy.

a) additional costs arising from any change to the specified time of which You

are aware prior to the commencement of Your holiday;

b) the cost of reprinting photographs or video(s) not owned or ordered by

You;

c) the £50 Policy Excess except where You have paid the Excess Waiver

d) any claim if You have purchased Backpacker cover;

SECTION F - WEDDING CARS AND TRANSPORT

We will pay up to a maximum of £500 Economy/£1,000 Standard/£2,000

Premier per couple if the private hire firm or individual with whom the transport

arrangements have been made fails to meet its/their contractual obligation(s).

This covers irrecoverable deposits and any additional costs.

What is not covered

a) the £50 policy excess except where you have paid the Excess Waiver

b) losses which are covered under Section 6 of this policy;

c) losses arising unless a written contract is in existence;

d) any costs which would have been incurred had the original supplier not

failed to meet their contractual obligations;

e) financial failure of any service provider;

f) any claim if You have purchased Backpacker cover;

SECTION G - CAKES AND FLOWERS

We will pay up to £3,000 Economy/£5,000 Standard/£10,000 Premier per

couple for loss of, or damage to, flowers and the wedding cake which occurs

during the Period of Insurance

a) the £50 policy excess except where You have paid the Excess Waiver

b) theft of the wedding cake or flowers unless such items were removed by

visible and forcible means;

c) any loss due to theft or attempted theft, not reported to the police within

24 hours of discovery;

d) loss of, or damage to, floral arrangements, or to the wedding cake, which

are covered under Section 6 of this policy;

e) loss or damage by theft or attempted theft of any flowers or the wedding

cake, left in any unattended vehicle, unless they are left in the locked boot

or locked glove compartment of a motor vehicle, concealed from view and

there is evidence of violent, visible and forcible entry;

Section 32 Optional Special Sports & Activities Cover

Benefits under the sections of cover already described under Sections 1 - 18 are

extended to cover Special Sports and Activities as follows.

Please note that all terms, conditions and exclusions (except where these are

amended under this upgrade) continue to apply for all sections. You must read

these extensions in conjunction with all sections to which they relate and refer

back to them when appropriate for full cover details.

This policy specifically excludes participating in or practising for certain sports

and activities. Please see the following tables to confirm which sports and

activities are covered on a non-competitive and non-professional basis during

Your Trip:

TABLE A

The following Special Sports and Activities are automatically included in the

• Abseiling (within organiser’s guidelines)

• Angling

• Archery

• Athletics

• Badminton

• Banana boating

• Baseball

• Basketball

• Board sailing

• Bowling

• Bungee jumping (within organiser’s

guidelines)

• Canoeing (up to grade 2 rivers only)

• Climbing (on a climbing wall only)

• Cricket

• Curling

• Cycling

• Deep sea fishing

• Fell walking

• Fishing

• Football/Soccer (non-competitive)

• Glacier walking

• Gliding (no cover for crewing or piloting)

• Golf

• Gymnastics

• Handball

• Heptathlon

• Hiking/trekking/walking (below 4,000

metres)

• Horse riding (excl. competitions/racing/

jumping/hunting)

• Hot air ballooning (organised pleasure

rides only)

• Ice skating

• Indoor climbing (on climbing wall)

• Kayaking (up to grade 2 rivers only)

• Kite surfing

• Marathon running

• Motorcycling (up to 125cc)

• Mountain biking

• Netball

• Organised safari without guns

• Orienteering

• Overland trips

• Parascending over water

• Pony trekking

• Racket ball

• Rackets

• Rambling

• Rap jumping (within organiser’s guidelines)

• Ringos

• Roller skating/blading (wearing pads &

helmets)

• Rounders

• Rowing (except racing)

• Running

• Safari trekking in a vehicle (must be

organised tour)

• Safari trekking on foot (must be

• Sailboarding

• Scuba diving to 30 metres (within

organiser’s guidelines)

• Sea kayaking

• Skateboarding (wearing pads and helmets)

• Sledging (pulled by horse or reindeer as

a passenger)

• Snorkelling

• Softball

• Squash

• Surfing

• Swimming

• Swimming with dolphins

• Table tennis

• Ten pin bowling

• Tennis

• Tubing

• Tug of war

• Volleyball

• Wakeboarding

• Water polo

• Water skiing

• White water rafting (within organiser’s

• Windsurfing

• Zorbing

TABLE B

The following sports and activities in Table B will also be covered but no cover

will apply in respect of any Personal Accident or personal liability claims:

• Camel riding

• Catamaran sailing (if qualified)

• Clay pigeon shooting

• Dinghy sailing

• Go karting (within organiser’s

• Jet boating (no racing)

• Jet skiing (no racing)

• Paint balling (wearing eye protection)

• Rifle range shooting

• Sailing/yachting inshore

(recreational,no racing)

• Shooting (within organiser’s guidelines)

• Small bore target shooting (within

• War games (wearing eye protection)

• Yachting (if qualified)

Admiral Travel Insurance Policy - PW/ADM/00501a Page 16 of 27

TABLE C

Your policy can be extended to cover the following Special Sports and Activities

in Table C for an additional premium:

• American football

• Climbing up to 4,000 metres

• Dry slope skiing

• Endurance tests

• Fives

• Hiking/trekking/walking (above 4,000

• Hockey

• Lacrosse

• Langlauf

• Organised safari with guns

• Outdoor endurance events

• Parascending over land

• Rugby

• Sand dune surfing/skiing

• Scuba diving between 30 - 50 metres

(within organiser’s guidelines)

• Speed skating

• Street hockey (wearing pads and

• Summer tobogganing

• Trampolining

• White water canoeing (up to grade 4

only)

TABLE D

in Table D for an additional premium, but no cover will apply in respect of

any Personal Accident or personal liability claims:

• Fencing (within organiser’s guidelines)

• Gaelic football

• Hurling

• Polo

• Sailing/yachting inshore (recreational,

crewing, no racing)

• Sailing/yachting offshore (recreational,

no racing)

TABLE E

engaging in or practising the following sports and activities in Table E:

• Adventure racing

• Base jumping

• Biathlon

• Big game hunting

• Black water rafting

• BMX riding

• Bouldering

• Boxing

• Canyoning

• Cave tubing

• Caving/potholing

• Climbing over 4,000 metres

• Cycle racing

• Cyclo cross

• Drag racing

• Flying (except passengers in licensed

passenger carrying aircraft)

• Free mountaineering

• Hang gliding

• Harness racing

• High diving (over 5 metres)

• Hunting (fox/drag)

• Jousting

• Judo

• Karate

• Kendo

• Manual work

• Martial arts

• Micro lighting

• Modern pentathlon

• Motor cycling (over 125 cc)

• Motor cycle racing

• Motor racing

• Motor rallying

• Mountaineering over 4,000 metres

• Parachuting

• Paragliding/parapenting

• Power boat racing

• Power lifting

• Professional sports of any kind

• Quad biking

• River bugging

• Rock climbing

• Rodeo

• Roller hockey

• Shark diving (in cage)

• Sky diving

• Speed trials/time trials

• Triathlon

• Water ski jumping

• Weight lifting

• Wrestling

If You are undertaking a pursuit or activity which is not listed in this

policy or are in any doubt as to whether cover will apply, please call Our

Travel Helpline as quoted on Your Certificate of insurance.

General Conditions

1. No cover will come into force, or continue in force, under sections 2, 3,

4, 5 and 6, unless each Insured Person, who by reason of the Important

Health Requirements must make a Medical Health Declaration in respect of

the period for which insurance is required, has declared ALL Pre-existing

Medical Conditions to Us and they have been formally accepted by Us in

2. Any medical information supplied in a Medical Health Declaration will be

treated in the strictest confidence, will be used solely for Our own internal

purposes for the assessment of the risk, and will not be disclosed to any

outside person or authority without the specific approval of the person

whose details are shown in the Medical Health Declaration. We shall not

refuse cover unless, in Our opinion, the risk associated with the particular

person travelling is substantially greater than that represented by the

average healthy traveller. The cost of any medical evidence produced in

connection with a Medical Health Declaration shall be borne by You.

3. During each Period of Insurance and before You depart on each Trip You

must declare to the Medical Screening Helpline any change in Your health

or medical status. This change must be accepted in writing by Us before

cover will be continued. If in doubt as to whether any change is material,

You should contact the Medical Screening Helpline.

4. You must declare to Us all Material Facts which are likely to affect this

insurance. Failure to do so may prejudice entitlement to claim. If You are

uncertain as to whether a fact is material, You should declare it to Us.

5. You must exercise reasonable care for the supervision and safety of both

You and Your property. You must take all reasonable steps to avoid or

minimise any claim. You must act as if You are not insured.

6. You must avoid needless self-exposure to peril unless You are attempting

to save human life.

7. We will make every effort to apply the full range of services in all

circumstances dictated by the terms and conditions. Remote geographical

locations or unforeseeable adverse local conditions may preclude the

normal standard of service being provided.

8. You must comply in full with the terms and conditions of this policy before

a claim will be paid. Please read this policy carefully, and if You are unsure

as to what is covered or excluded, contact the Travel Helpline as quoted on

Your Certificate of insurance.

9. In the event of an emergency or any occurrence that may give rise to a

claim for more than £500 under this insurance, You must contact Us as

soon as possible. You must make no admission of liability, offer, promise or

payment without Our prior consent. Please Telephone Us first.

10. We are entitled to take over Your rights in the defence or settlement of

a claim, or to take proceedings in Your name for Our own benefit against

another party and We shall have full discretion in such matters. This is to

enable Us to recover any costs We have incurred from any third party who

may have liability for the costs.

11. We may, at any time, pay to You Our full liability under this policy after which

no further liability shall attach to Us in any respect or as a consequence of

such action.

12. Where it is possible for Us to recover sums that We have paid out under

the terms of the policy, You will co-operate fully with Us in any recovery

attempt We make and We will pay all costs associated with the recovery

of Our outlay. You agree not to take any action that may prejudice Our

recovery rights and will advise Us if You instigate proceedings to recover

compensation arising from any incident which has led to a successful claim

against this policy. The sums We have paid out under the terms of the policy

will be reimbursed from any recovery made.

13. You must take all practicable steps to recover any article lost or stolen and

to identify and ensure the prosecution of the guilty person(s). We may at

any time and at Our expense take such action as We deem fit to recover the

property lost or stated to be lost.

14. In the event of a valid claim You shall allow Us the use of any relevant Travel

Documents You are not able to use because of the claim.

15. You must notify Us in writing of any event which may lead to a claim, within

28 days of Your return Home. As often as We require, You shall submit

to medical examination at Our expense. In the event of the death of an

Insured Person We shall be entitled to have a post mortem examination

carried out at Our expense. You must supply Us with a written statement

substantiating Your claim, together with (at Your own expense) all

Certificates, information, evidence and receipts that We reasonably

require.

16. If any fraudulent claim is made or if any fraudulent means or devices are

used to obtain any benefit under the insurance, this policy shall become

void and the premium paid shall be forfeited. Any benefits so claimed and

received must be repaid to Us.

17. We may give 7 days notice of cancellation of this policy by recorded delivery

to You at Your last known address. In this case We shall refund to You the

unexpired pro-rata portion of the premium You have paid, subject to there

having been no known claims or losses.

18. If any dispute arises as to the policy interpretation, or as to any rights or

obligations under this policy, We offer You the option of resolving this by

using the arbitration procedure We have arranged. Please see the details

shown under Customer Satisfaction. Using this service will not affect Your

legal rights. If You are unsure of Your legal rights, You should contact the

Citizens’ Advice Bureau.

19. You will be required to repay to Us, within one month of Our request to You,

any costs or expenses We have paid on Your behalf which are not covered

under the terms and conditions of this policy.

20. This policy is subject to the Laws of England and Wales unless We agree

otherwise. The courts of England and Wales alone shall have jurisdiction

in any disputes.

21. You must pay the appropriate premium for the full number of days

comprising Your planned Trip. If You travel for more than the number of

days for which You have paid for cover, You will not be covered after the

last day for which You have paid.

22. When engaging in any sport or holiday activity (not excluded under General

Exclusion 15) You must accept and follow the supervision and tuition of

experts qualified in the pursuit or activity in question, and You must use all

appropriate precautions, equipment and protection.

23. Table C & Table D Special Sports and Activities, and Winter Sports, are

covered only if You have paid the appropriate additional premium required,

before departure from Your Home Country.

24. Although We are prepared to cover You when undertaking certain sports

and activities, the availability of the insurance cover does not, in itself,

imply that We consider such sports and activities as safe. At all times

You must satisfy Yourself that You are capable of safely undertaking the

planned sport or activity and You must take care to avoid injury, accident

or loss to Yourself and to others.

General Exclusions

No section of this policy shall apply in respect of:

1. Any person who has reached the age of 75 years for Single Trip and 65 years

for Annual Multi-Trip policies or 46 years for Backpacker policies prior to

the commencement of the Period of Insurance.

Admiral Travel Insurance Policy - PW/ADM/00501a Page 17 of 27

2. Any person practicing in Winter Sports who has reached the age of 65

years at the commencement of the Period of Insurance.

3. Claims arising from a Material Fact, which have not been disclosed to Us

and accepted by Us in writing prior to the commencement of the Period

of Insurance (or, in the case of Annual Multi-Trip cover, prior to the

commencement of any Trip).

4. Loss, damage or expense which at the time of happening is insured by, or

would, but for the existence of this policy, be insured by any other existing

Certificates, policies, or motoring organisation’s services. If You have any

other policy in force, which may cover the event for which You are claiming,

You must tell Us. This exclusion shall not apply to Personal Accident cover

under Section 13.

5. Costs which would have been payable if the event being the subject of a

claim had not occurred (for example, the cost of meals which You would

have paid for in any case).

6. We will not pay for any losses which are not directly covered by the terms

and conditions of this policy. Examples of losses We will not pay for include

loss of earnings due to being unable to return to work following injury or

illness happening while on a Trip and replacing locks if You lose Your keys.

7. We will not pay for costs of telephone calls or faxes, meals, taxi fares (with

the sole exception of the taxi costs incurred for the initial journey to a

hospital abroad due to an Insured Person’s illness or injury), interpreters’

fees, inconvenience, distress, loss of earnings, loss of enjoyment of holiday,

time-share maintenance fees, holiday property bonds or points and any

additional travel or accommodation costs (unless pre-authorised by Us

or part of a valid claim under sections Medical Emergency & Repatriation,

Additional Accommodation & Travelling Costs, Cancellation & Curtailment

or Money & Passport).

8. Any deliberately careless or deliberately negligent act or omission by You.

9. Any claim arising or resulting from Your own illegal or criminal act.

10. Needless self-exposure to peril except in an endeavour to save human life.

11. Any claim arising directly or indirectly from Your drug addiction or solvent

abuse, excessive alcohol intake, being under the influence of alcohol

(including but not exclusively having a blood alcohol reading of more than

150mg per 100ml) or You being under the influence of drug(s).

12. Any claim arising or resulting directly or indirectly from Your suicide,

attempted suicide, or intentional self-injury.

13. You engaging in Manual Work in conjunction with any profession, business

or trade during the Trip.

14. You engaging in any Special Sports and Activities in Table C & Table D or

Winter Sports unless the appropriate Special Sports & Activities or Winter

Sports extension premium required has been paid.

15. You engaging in or practising for the following sports and activities:

Adventure racing, Base jumping, Biathlon, Big game hunting, Black water

rafting, BMX riding - stunt / obstacle, Bobsleighing / luging, Bouldering,

Boxing, Canyoning, Cave tubing, Caving / pot holing, Climbing over 4,000

metres, Cycle racing, Cyclo cross, Drag racing, Flying (except passengers in

licensed passenger carrying aircraft), Free mountaineering, Hang gliding,

Harness racing, Heli boarding, Heli skiing, High diving (over 5 metres),

Hunting (fox / drag), Ice speedway, Jousting, Judo, Karate, Kendo, Luging /

bobsleighing, Manual work, Martial arts, Micro lighting, Modern pentathlon,

Motor cycling (over 125 cc), Motor cycle racing, Motor racing, Motor

rallying, Mountaineering over 4,000 metres, Parachuting, Paragliding /

parapenting, Power boat racing, Powerlifting, Professional sports of any

kind, Quad biking, River bugging, Rock climbing, Rodeo, Roller hockey,

Shark diving (in cage), Ski acrobatics, Ski jumping, Ski racing, Ski stunting,

Sky diving, Speed trials / time trials, Triathlon, Water ski jumping, Weight

lifting, Wrestling or any other sports not mentioned in this policy unless

cover has been accepted by Us in writing prior to the commencement of

the Period of Insurance. If You are undertaking a pursuit or activity which

is not listed in this policy or are in any doubt as to whether cover will apply,

please call Our Travel Helpline as quoted on Your Certificate of insurance.

16. Participation in any organised competition involving any Special Sports

and Activities or Winter Sports.

17. Any claims under the optional golf cover section unless the appropriate

golf extension premium required has been paid

18. Any claims under the business cover section unless the appropriate

business extension premium has been paid

19. You fighting except in self-defence.

20. Any claims under the wedding cover section unless the appropriate

wedding extension premium has been paid.

21. Notwithstanding any provision to the contrary within this insurance, or any

endorsement thereto, it is agreed that this insurance excludes any loss or

expense of whatsoever nature directly or indirectly caused by, resulting

from, or in connection with any of the following regardless of any other

cause or event contributing concurrently or in any other sequence to the

loss: War, hostilities or warlike operations (whether war be declared or not);

invasion; act of an enemy foreign to the nationality of the Insured Person

or the country in, or over, which the act occurs; civil war; riot; rebellion;

insurrection; revolution; overthrow of the legally constituted government;

civil commotion assuming the proportions of, or amounting to, an uprising;

military or usurped power; explosions of war weapons; release of weapons

of mass destruction that do not involve an explosive sequence; murder or

assault subsequently proved beyond reasonable doubt to have been the act

of agents of a state foreign to the nationality of the Insured Person whether

war be declared with that state or not; terrorist activity. For the purpose

of this exclusion terrorist activity means an act, or acts, of any person,

or group(s) of persons, committed for political, religious, ideological or

similar purposes with the intention to influence any government and/or

to put the public, or any section of the public, in fear. Terrorist activity can

include, but not be limited to, the use of force or violence and/or the threat

thereof. Furthermore, the perpetrators of terrorist activity can either be

acting alone, or on behalf of, or in connection with any organisation(s) or

government(s). Also excluded herein is any loss or expense of whatsoever

nature directly or indirectly caused by, resulting from or in connection with

any action taken in controlling, preventing, or suppressing any, or all, of

the above incidents. In the event any portion of this exclusion is found to

be invalid or unenforceable, the remainder shall remain in full force and

effect. This exclusion does not apply to claims under the sections Medical

Emergency & Repatriation and Personal Accident.

22. You travelling to a country, or parts of countries, or specific area or event

to which the Foreign and Commonwealth Office has advised persons not

to travel.

23. Loss or destruction or damage or any expense whatsoever resulting from:

ionising radiation or contamination by radioactivity from any nuclear waste

from the combustion of nuclear fuel, or the radioactive, toxic, explosive or

other hazardous properties of any explosive nuclear assembly or nuclear

component thereof.

24. Delay, loss, damage or injury, directly or indirectly caused by the actual or

potential inability of any computer, data processing equipment or media,

microchip, integrated circuit or similar device, or any computer software

or stored programme to correctly recognise any date as its true calendar

date or to continue to function correctly in respect of or beyond that date

- except under sections Medical Emergency & Repatriation and Personal

Accident.

25. Delay, loss, damage, injury or consequential loss, directly or indirectly

caused by the actual or potential inability of any computer, data processing

equipment or media, microchip, integrated circuit or similar device, or

any computer software or stored programme to correctly operate as a

result of a computer virus - except under section 2 (Medical Emergency &

Repatriation), and section 14 (Personal Accident). Computer viruses include

any program or software, which prevents any operating system, computer

program or software working properly or at all.

26. Any claim when You have not paid the appropriate premium for the number

of days comprising Your planned Trip, if You travel for more than the

number of days for which You have paid for cover, You will not be covered

after the last day for which You have paid.

27. Loss of any kind arising from the provision of, or any delay in providing, the

services to which this policy relates, unless negligence on Our part can be

demonstrated.

28. Any loss or damage directly or indirectly caused by the provision of, or any

delay in providing, the medical (or medical related) services to which the

cover under this policy relates, whether provided by Us or by anybody else

(whether or not recommended by Us and/or acting on Our behalf) unless

negligence on Our part can be demonstrated.

Making a Claim on Your Return Home

First, check Your Certificate and the appropriate Section of Your policy to make

sure that what You are claiming for is covered.

Claims forms can be obtained from www.global-response.co.uk/claimsform

Alternatively telephone Our Claims Helpline on 0843 658 0345 or email

[email protected] to obtain a claim form, giving Your name

and Certificate number, and brief details of Your claim.

All claims must be notified within 28 days of Your return on a policy claim

form, accompanied by original invoices, receipts, reports, etc. Please refer

to the relevant section of Your policy for specific conditions and details of

the supporting evidence that We require. Please remember that it is always

advisable to retain copies of all documents when submitting Your claim form.

We recommend You use registered post.

In order to handle claims quickly, We may use appointed claims handling agents.

When claims settlements are made by the BACS (Bank Automatic Clearing

System) or other electronic banking system method, You will be responsible for

supplying Us with the correct bank account details and Your full authority for

Us to remit monies directly to that account.

Provided that payment is remitted to the bank account designated by You, We

shall have no further liability or responsibility in respect of such payment, and it

shall be Your sole responsibility to make collection of any misdirected payment

in the event of incorrect details having been provided to Us.

Admiral Travel Insurance Policy - PW/ADM/00501a Page 18 of 27

Customer Satisfaction

Our Promise of Service:

We aim to provide a first class service at all times. However, if You have a

complaint You should contact Us in the first instance at:

The Complaints Department, Global Response Ltd, Regus House, Falcon Drive,

Cardiff, United Kingdom, CF10 4RU

or email to [email protected] or telephone 00 44 (0)

2920 468793

If We cannot give You a final decision by four weeks from the day We receive

Your complaint We will explain why and tell You when We hope to reach a

decision.

Our decision is final and based on the evidence presented. If You feel that there

is any new evidence or information that may change Our decision, You have the

right to make an appeal.

If You are not satisfied with the results of Our investigation, You have the right

to refer Your complaint to an independent authority for consideration. That

authority is the Financial Ombudsman Service (FOS) at:

South Quay Plaza,

183 Marsh Wall,

London E14 9SR

Telephone: 00 44 (0) 845 080 1800.

Please note that if You wish to refer this matter to the FOS You must do so

within 6 months of Our final decision. You must have completed the complaints

procedure before the FOS will consider Your case.

Cancellation Provisions

Right to return the insurance document

Unless Your Trip will be completed within 14 days of buying this insurance, You

have the right to cancel any policy of insurance within 14 days of the date of

issue or receipt of the terms and conditions, whichever is later. We will refund

to You any premium You have paid and will recover from You any payments We

have made.

Cancellation by the Insured Person

If You subsequently give notice in writing or by telephone to Us to cancel this

policy such cancellation shall take effect on the date the notice is received

or on the date specified in the notice, whichever is the later. If the notice of

cancellation is received within the 14 day Cooling - Off Period the premium

will be refunded in full less any sum that We have paid in respect of any claims

made. If the notice of cancellation is received outside the 14 day Cooling - Off

Period and You have not made a claim or sought assistance under the policy

then You will be entitled to a pro rata refund of premium in accordance with the

remaining term of the policy less an administration fee.

To cancel Your policy, You should contact:

Customer Services

Rock Insurance Services Limited

6 Magellan Terrace

Gatwick Road

Crawley

RH10 9PJ

Telephone: 0844 482 0660

or e-mail [email protected]

Cancellation by Us

We may give 7 days notice of cancellation of this policy by recorded delivery

letter to You at Your last known address.

Premium position upon cancellation by Us or in respect of an Annual Multi-Trip

policy following the death of the Insured Person (except when the subject of a

claim occurring in the course of a Trip)

If premium has been paid for any period beyond the date of cancellation of this

insurance, the relevant pro-rata portion of this premium will be refunded to

You or Your estate.

If however an incident has arisen during the Period of Insurance which has or

will give rise to a claim, then no refund will be made.

Effective time of cancellation

This policy shall cease at 00.01 hours Greenwich Mean Time on the day following

the last day of the Period of Insurance for which premium has been paid.

Compliance Officer

6 Magellan Terrace, Gatwick Road, Crawley, West Sussex RH13 6NN

or e-mail: [email protected]

Some of the information may be classified as sensitive – that is information

about physical and mental health and employment records. Data protection

laws impose specific conditions in relation to sensitive information including,

in some circumstances, the need to obtain Your explicit consent before the

information may be processed. By finalising Your insurance application, You

consent to the processing and transfer of information described in this notice.

Without this consent We would not be able to consider Your application.

Auto Renew

To make sure You have continuous cover under Your policy, Rock Insurance

Services will aim to automatically renew (auto-renew) Your policy when it runs

out, unless You tell them not to. Each year Rock Insurance Services will write

to You 21 days before the renewal date of Your policy, and tell You about any

changes to the premium or the policy terms and conditions. If You do not want

to auto-renew Your policy, just call them on the telephone number provided on

Your Certificate. Otherwise they will collect the renewal premiums from Your

credit card or debit card.

You should also note that Your renewed policy will only be valid when:

• You have told them about any changes to Your policy details (including any

changes in health conditions);

• and Your credit card or debit card details have not changed.

In some cases Rock Insurance Services may not be able to automatically

renew Your policy. They will let You know at the time if this is the case. Rock

Insurance Services is entitled to assume that Your details have not changed

and You have the permission of the card holder unless You tell them otherwise.

Rock Insurance Services does not have Your payment details. They will tell the

relevant processing bank that have Your payment details to charge the relevant

premium to Your debit card or credit card on or before the renewal date.

You can tell Rock Insurance Services about any changes to Your policy details

or opt out of automatic renewal at any time by phoning them on the telephone

number provided on Your Certificate.

Contact Numbers

IN AN EMERGENCY, FIRST CHECK THAT THE CIRCUMSTANCES ARE COVERED

BY THIS POLICY. HAVING DONE THIS TELEPHONE THE ASSISTANCE SERVICE

STATING YOUR NAME AND POLICY NUMBER.

Travel Helpline

Personal Assistance Services

Medical Emergency & Repatriation

Travel Insurance Claims and

Cancellation

Legal Advice & Legal Expenses

Claims

As shown on your Certificate of

Insurance

00 44 (0) 843 658 0342 or

00 44 (0) 1293 652831

00 44 (0) 843 658 0343 or

Fax: 00 44 (0) 2920 468797

0843 658 0345

0843 658 0346

Data Protection Act 1998 Notice

We will collect certain information about You in the course of considering Your

application and conducting Our relationship with You. This information will be

processed for the purposes of underwriting Your insurance cover, managing

any insurance issued, administering claims and fraud prevention. We may pass

Your information to a qualified Medical Practitioner, other insurers, reinsurers,

other parties who provide services under this policy and loss adjusters for

these purposes. This may involve the transfer of Your information to countries

which do not have data protection laws.

You may have the right of access to, and correction of, information that is held

about You. Please contact Our Compliance Officer to exercise either of these

rights, at the following address:

Admiral Travel Insurance Policy - PW/ADM/00501a Page 19 of 27

Section B - Scheduled Airline Failure

If You have purchased Premier cover and have purchased a Single Trip or Annual

Multi-Trip policy then Scheduled Airline Failure is included.

This cover is provided by International Passenger Protection Limited, IPP

House, 22-26 Station Road, West Wickham, Kent BR4 0PR, United Kingdom

and is underwritten by a consortium of Association of British Insurers member

Companies Lloyds Syndicates.

The Insurer will pay up to £1,500 in total for each Insured Person named on the

Invoice and Airline Ticket for:

• Irrecoverable sums paid in advance in the event of Insolvency of the

scheduled airline not forming part of an inclusive holiday prior to

departure; or

• In the event of Insolvency after departure:

a) Additional pro rata costs incurred by the Insured Person in replacing that

part of the flight arrangements to a similar standard to that originally

booked; or

b) If curtailment of the holiday is unavoidable -the cost of return flights to

the United Kingdom, Isle of Man, Channel Islands or Ireland to a similar

standard to that originally booked.

PROVIDED THAT in the case of a) and b) above where practicable the Person-

Insured shall have obtained the approval of the Insurer prior to incurring the

relevant costs by contacting the Insurer as set out below.

The Insurer will not pay for:

• Scheduled flights not booked within the United Kingdom, Isle of Man,

Channel Islands or Ireland prior to departure.

• Any costs resulting from the Insolvency of:

a) Any scheduled airline which is insolvent or in respect of which any

prospect of Insolvency is known at the date of issue of the Certificate; or

b) Any scheduled airline that is bonded or insured elsewhere (even if the

bond is insufficient to meet the claim).

• The financial failure of any travel agent, tour organiser, booking agent or

consolidator with whom the insured has booked a scheduled flight.

• Any loss for which a third party is liable or which can be recovered by other

legal means.

Any scheduled airline (not forming part of an inclusive holiday) booked in the

UK in the event of the Insolvency of the airline for:

• All monies paid prior to flight departure in respect of airfare(s);

• The cost of a return airfare(s) to the UK or onward flight(s) in order to

complete the pre-arranged journey at the same standard as booked.

The booking agent or consolidator.

For claims relating to Scheduled Airline Failure

Claims Procedure:

Any occurrence which may give rise to a claim should be advised as soon as

reasonably practicable and in any event within 14 days to:

IPP Claims Office

PP House, 22-26 Station Road

West Wickham, Kent BR4 0PR

United Kingdom

Telephone: +44 (0) 20 8776 3752

Facsimile: +44 (0) 20 8776 3751

Email: [email protected]

Website: www.ipplondon.co.uk

IPP will only accept claims submitted up to six months after the failure.

Any claims submitted after the six month period will NOT be processed.

This Certificate is only a summary of the protection provided. A copy of

Master Policy wording providing full details of the terms and conditions of this

Insurance is available from the Policyholder upon request.

BY THIS POLICY. HAVING DONE THIS TELEPHONE IPP STATING YOUR NAME

AND POLICY NUMBER.

Claims Helpline 020 8776 3752

Admiral Travel Insurance Policy - PW/ADM/00501a Page 20 of 27

Section C - Optional Gadget Cover Upgrade

You can only purchase this upgrade if You are resident in the United Kingdom.

If You have purchased Economy, Standard or Premier cover and have purchased

a Single Trip policy, Gadget cover is included if You have paid the appropriate

additional premium for the Period of Insurance up to a maximum of 90 days.

an Annual Multi-Trip policy, You are covered when taking part in Trips for up

to 31 days during the Period of Insurance when You have paid the appropriate

Please note that the Excess Waiver upgrade ONLY relates to the travel policy.

This cannot be applied to the Gadget insurance upgrade.

Certificate Of Insurance – Terms And Conditions

This insurance is arranged by Rock Insurance Services Limited.

The Insurers are Jubilee Insurance, Lloyd’s Syndicate 5820 (referred to as “We/

Us/Our” in this Certificate). The Lloyd’s Managing Agent for Lloyd’s Syndicate

5820 is Jubilee Managing Agency Limited. It is entered in the Register of Lloyd’s

Managing Agents. Registered Office: Sidcup House, 12-18 Station Road, Sidcup,

Kent DA15 7EX. Registered in England number 04434499.

The administrator is Citymain Administrators Limited, PO Box 116, Ryde, PO33

2WX. Telephone Number:0845 576 1538. Citymain Administrators Limited is

authorised and regulated by the Financial Services Authority, registration

number 306535.

You can visit the Financial Services Authority Website, which includes a register

of all regulated firms at www.fsa.gov.uk/register or by contacting them on 0845

606 1234.

Certification of Cover

Your Certificate combined with Your insurance schedule certifies that insurance

has been effected between You and us. In return for payment of the premium

We agree to insure You in accordance with the terms and conditions contained in

and endorsed on these documents. We (the Insurers) have entered into a Binding

Authority Contract reference number EW144 with Rock Insurance Services

Limited under which We have authorised Rock Insurance Services Limited to

sign and issue these documents on Our behalf.

Signed by

Antony Martin, Managing Director

Introduction

You purchased this optional Gadget cover at the same time You purchased Your

Travel Insurance Policy. Optional Gadget cover provides cover for Your Gadget

against Theft, Accidental Damage and malicious damage when You are on a

Holiday Trip that is covered by Your Travel Insurance Policy.

When You purchased Your Gadget Insurance You selected the level of cover

suitable for You. Your level of cover will be confirmed in Your Insurance Schedule.

Please ensure You keep Your Insurance Schedule together with this Certificate

in a safe place.

Where And When Cover Applies

Period of this Certificate

The period of this Certificate will be the same as the period of Your Travel

Insurance Policy and is shown in Your Insurance Schedule.

Operative time and geographical area

The protection under Your Gadget Insurance starts and ends at the same time

and applies in the same geographical areas as Your Travel Insurance Policy and

only when You are on a Holiday Trip.

Definitions

Wherever the following words and phrases appear in this optional Gadget cover

section they will always have these meanings:

Administrator: Citymain Administrators Limited.

Excess: this is the amount You must contribute towards each and every claim

You make. The amount of the excess is confirmed in Your insurance schedule.

Gadget: the item(s) insured by this Certificate, purchased by You and shown

within the relevant proof of purchase. Only item(s) from the from the following

list shall be covered: MP3 Players, iPods, Smart Phones, DVD Players, iPads,

Games Consoles, Digital Cameras, Video Cameras, Mobile Phones, PDAs,

Laptops, Bluetooth Headsets, Satellite Navigation Devices, E-Readers, Camera

Lenses, In-Car Computers, Head / Ear Phones, Tablets.

Immediate family: Your mother, father, children, brothers sisters, spouse and

domestic partner who is permanently residing with You.

Holiday Trip: any Holiday Trip made by You which is covered under Your Travel

Insurance Policy.

Insurance Schedule: the document that will be provided following purchase

of this insurance. It will confirm Your Gadget insurance details, including the

period of the Certificate, Your selected level of cover, maximum limits of Our

liability, the amount of the excess and number of Gadgets insured.

Malicious Damage: the intentional or deliberate actions of another party which

causes damage to Your Gadget.

Proof of Purchase: the original purchase receipt provided at the point of sale

that gives details of the Gadget purchased, or similar documents that provide

proof that You own the Gadget.

Reasonable precautions: all measures that would be reasonable to expect a

person to take to prevent damage or theft of Your Gadget.

Terrorism: means any act of any person or organisation involving, causing or

threatening harm or putting the public or any section of the public in fear if it is

likely that the purpose is of a political, religious, ideological (of an intellectual or

rational nature) or similar nature.

Travel Insurance Policy: Your Travel Insurance Policy.

Unattended: not within Your sight at all times and out of Your arms-length reach.

Violent and Forcible Entry: entry evidenced by visible damage to the fabric of the

building, room, or vehicle at the point of entry.

We, Us, Our: the Insurers, Jubilee, Lloyd’s Syndicate 5820.

You/Your: the person named in the insurance schedule and who must be the

person who purchased this Gadget Insurance and at the same time he or she

purchased an Travel Insurance Policy. You must be over 16 years of age and must

own the Gadget(s).

A. Accidental Damage

We will pay the repair or replacement costs if Your Gadget is damaged as the

result of an accident.

B. Theft

If Your Gadget is stolen We will replace it. Where only part or parts of Your

Gadget have been stolen, We will only replace that part or parts.

C. Malicious Damage

If Your Gadget is damaged as a result of intentional or deliberate actions of

someone else We will repair it. Where only part or parts of Your Gadget are

damaged, We will only replace that part or parts.

The most We will pay for any one claim will be the replacement value of Your

Gadget and in any case shall not exceed Our maximum liability for the level of

cover which is £3,000 for a maximum of seven gadgets per policy.

If We replace Your Gadget You are covered for a maximum of two replacement

claims during the period of Your Certificate.

If We determine that Your Gadget needs to be replaced following a valid claim,

and if it cannot be replaced with an identical, or fully refurbished Gadget of the

same age and condition, We will replace it with one of comparable specification

or the equivalent value, taking into account the age and condition of the original

Gadget.

1. The amount of the excess which applies to each and every claim.

2. Any theft unless accompanied by a crime reference number. Lost property

numbers are not acceptable in support of a Theft claim.

3. Any claim involving theft unless reported to the appropriate local police

authorities and the Network (if applicable) within 24 hours of discovering

the incident.

4. Theft of the Gadget from an unoccupied premise whilst on holiday, unless

there is evidence of Violent and Forcible Entry to the premises.

5. Theft of the Gadget left Unattended in a public place or a place to which the

public has regular access.

6. Theft of the Gadget from the person unless force, pickpocket or threat of

violence is used.

7. Theft or accidental damage to the Gadget whilst on loan to anyone else

other than Your immediate family.

8. Loss of the Gadget.

9. Theft of or damage to accessories other than SIM or PCIMA cards which

were in the Gadget at the time of the damage or theft.

10. Any claim resulting from the failure of any electrical or computer equipment,

software, micro-controller, microchip, accessories or associated equipment

to correctly recognise and process any calendar date or time.

11. Repair or other costs for:

• routine servicing, inspection, maintenance or cleaning;

• loss caused by a manufacturer’s defect or recall of the Gadget;

• replacement of or adjustment to fittings, control knobs or buttons,

batteries or aerials;

• repairs carried out by anyone not authorised by us;

• Wear and tear or gradual deterioration of performance;

• claims arising from abuse, misuse or neglect;

• a Gadget where the serial number has been tampered with in any way.

12. Any kind of damage whatsoever unless the damaged Gadget is provided

for repair.

Admiral Travel Insurance Policy - PW/ADM/00501a Page 21 of 27

13. The VAT element of any claim if You are registered for VAT.

14. Reconnection costs or subscription fees of any kind.

15. The cost of replacing any personalised ring tones or graphics, downloaded

material or software.

16. Any expense incurred as a result of not being able to use the Gadget, or any

loss other than the repair or replacement costs of the Gadget.

Please note: if You are insuring an item without SIM or PCIMA card capability, all

exclusions relating to these items are not applicable.

This insurance does not cover

1. Any claim that occurs whilst not on a Holiday Trip.

2. Liability of any nature arising from ownership or use of the Gadget, including

any illness or injury resulting from it.

3. Any loss or damage or liability directly or indirectly occasioned by, happening

through or in consequence of terrorism or war, invasion, acts of foreign

enemies, hostilities (whether war be declared or not), civil war, rebellion,

revolution, insurrection, military or usurped power, or confiscation or

nationalisation or requisition or destruction of or damage to property by or

under the order of any government or public or local authority.

4. Nuclear Risk, meaning damage or destruction caused by, contributed to or

arising from:

a) ionizing radiation or contamination by radioactivity from any nuclear fuel

or from any nuclear waste from the combustion of nuclear fuel; or

b) the radioactive, toxic, explosive or other hazardous properties of any

explosive nuclear assembly or component thereof.

5. Sonic Boom, meaning: damage or destruction directly occasioned by

pressure waves caused by aircraft or other aerial devices travelling at sonic

or supersonic speeds.

6. Winter Sports, meaning that: You will only be covered against theft,

accidental damage and malicious damage whilst on a Winter Sports holiday

if You have included Winter Sports cover under Your Travel Insurance Policy.

Reasonable Precautions

You and Your immediate family are required to take all reasonable precautions

at all times.

Conditions and Limitations

1. Under the laws of the United Kingdom both You and We may choose the law

which applies to this contract, to the extent permitted by those laws. Unless

You and We agree otherwise, the law which applies to this contract is the law

which applies to the part of the United Kingdom in which You live.

2. The Gadget must be less than 36 months old with valid Proof of Purchase

(not from online auctions) when this insurance started. In the case of

laptops, these must be less than 12 months old with valid Proof of Purchase

(not from online auctions) when this insurance started.

3. You must provide us with any receipts, documents or proof of purchase,

that it is reasonable for us to request.

4. You cannot transfer the insurance to someone else or to any other Gadget

without Our written permission.

5. Cover excludes costs or payments recoverable from any party, under the

terms of any other contract, guarantee, warranty, or insurance.

Claims Procedure

Please comply with the following procedures to obtain authorisation with the

minimum delay. Failure to observe these procedures might invalidate Your claim.

Theft and Malicious Damage Claims:

Notify the appropriate local police authority within 24 hours of discovering the

incident and obtain a Crime reference number and a copy of the police crime

report. Should You be claiming for the theft of Your telephone You must also

contact Your network provider within 24 hours of discovering the incident to

place a call bar on the handset.

For all claims (including theft and malicious damage):

Contact the administrator on 0844 875 1538 within 48 hours of discovering the

incident (or in the event of an incident occurring outside of the United Kingdom,

within 48 hours of returning to the United Kingdom). You will be sent a claim

form.

Complete the claim form FULLY and return it to the administrator in accordance

with their instructions, and in any event within 30 days of notifying the claim

together with any requested supporting documentation including:

• Police crime reference number (if applicable)

• Any other requested documentation.

• Proof of violent and forcible entry (if applicable)

The Administrator will assess Your claim, and as long as Your claim is valid, will

authorise the repair or replacement of the Gadget as appropriate.

In the event of a claim You may be asked to provide details of any other contract,

guarantee, warranty or insurance that may apply to the item including but not

limited to household insurance. Where appropriate a rateable proportion of the

claim may be recovered direct from these insurance providers.

Please note: If We replace Your Gadget the damaged or lost item becomes Ours.

If it is returned or found You must notify us and send it to us if We ask You to.

To help improve its service, the administrator may record or monitor telephone

calls.

Fraud

We take a robust approach to fraud prevention in order to keep premium rates

down so that Our customers do not have to pay for other people’s dishonesty.

If any claim under this insurance is fraudulent or is intended to mislead, or if

any misleading or fraudulent means are used by You or anyone acting on Your

behalf to obtain benefit under this insurance, the right to any benefit under

this insurance will end, the insurance will be cancelled and We will be entitled to

recover any benefit paid and costs incurred as a result of any such fraudulent or

misleading claim. We may also inform the police.

To prevent fraud, insurance providers sometimes share information. Details

about Your insurance application and any claim You make may be exchanged

between insurance providers.

Complaints

Rock Insurance Services Limited is proud of its reputation for fairness in

treatment of its customers. However, occasionally disputes or misunderstandings

can arise.

Any enquiry or complaint You have regarding this section of cover should be

addressed to the Administrator, either by post to: Citymain Administrators

Limited, PO Box 116, Ryde, PO33 2WX or by email to: customerrelations@

citymain.com or by telephoning 0845 576 1538

You should provide details of Your policy and in particular Your policy reference

number shown on Your Insurance Schedule to help with the speedy handling

of Your inquiry. After this action, if You are still not satisfied with the way a

complaint has been dealt with, You may ask Lloyd’s to review Your case. The

address is:

Policyholder and Market Assistance

One Lime Street, London EC3M 7HA

Telephone: 020 7327 5693, Facsimile: 020 7327 5225

E-mail: [email protected]

Complaints that cannot be resolved by Lloyd’s may be referred to the Financial

Ombudsman Service, at the following address:

Financial Ombudsman Service

South Quay Plaza, 183 Marsh Wall, London E14 9SR

Tel 0845 080 1800.

Further details will be provided at the appropriate stage of the complaints

process. These procedures do not affect Your legal rights.

Please note that if the period of Your Certificate, as shown in the Insurance

Schedule, is less than 14 days, You have no statutory right to cancellation.

Compensation Scheme

We are covered by the Financial Services Compensation Scheme. You may

be entitled to compensation from the scheme if We are unable to meet Our

obligations to You under this contract.

Further information can be obtained from the Financial Services Compensation

Scheme (7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN) by phone

on 020 7892 7300 and on their Website at www.fscs.org.uk

Premiums and Claims – Your Rights

When handling premium payments from You that are due to us and when handling

any claim You make, Rock Insurance Services Limited and the Administrator act

as Our authorised agents. This means that when You pay a premium to Rock

Insurance Services it is deemed to have been received by us and that any valid

claim You make with the Administrator is not deemed to have been settled until

You have actually received a repaired or replacement Gadget.

BY THIS POLICY. HAVING DONE THIS TELEPHONE CITYMAIN STATING YOUR

NAME AND POLICY NUMBER.

Claims Helpline 0844 875 1538

Admiral Travel Insurance Policy - PW/ADM/00501a Page 22 of 27

If You have purchased Economy, Standard or Premier cover and have

purchased a Single Trip policy, Car Hire Excess Cover is included if You have

paid the appropriate additional premium for the Period of Insurance up to a

maximum of 56 days.

purchased an Annual Multi-Trip policy, You are covered when taking part in

Trips for up to 31 days during the Period of Insurance when You have paid the

Introduction to Your Upgrade

Thank You for choosing Halo’s Car Hire Excess Insurance and welcome to

peace of mind Car Rental Protection. Rock Insurance has partnered with Halo

Insurance Services Limited to bring You an outstanding service. This policy

wording contains important information and gives You a full explanation of

Your cover. We have tried to make this document easy to understand, but if You

have any questions please call Us on the telephone number on Your Certificate,

or write to Us at the address shown at the end of this section.

You need to be aware that all policies are subject to certain exclusions and

conditions. It is therefore essential that You are aware of what is covered and

what is not and any security requirements and conditions You need to comply

with. For simplicity, We use keywords or phrases which are shown in Definitions

and these are listed in alphabetical order. They have the same meaning

whenever they appear and will always be shown with an initial capital letter so

as to remind You of their importance.

To help You understand the cover provided We have laid out sections of this

policy under the following headings:-

What is Covered – This text gives information about the cover provided

What is Not Covered – This text draws Your attention to what is not covered

In addition You should also read the General Conditions and Exclusions.

Your Certificate should be read in conjunction with Your Policy Wording, as

together they form the basis of Your insurance contract.

It is Our ambition at Halo Insurance to design products that meet Your needs.

We are focused on providing You the best-in-class products and selection in

order to bring You peace of mind to Your trips wherever they may take You.

We hope You visit us again soon and keep Us top of mind next time You hire a

car!

Please take time to read through Your Certificate and Policy Wording

documents.

custom. Have a safe journey, Halo Insurance Services Limited

Important Information

WHO IS ELIGIBLE TO PURCHASE CAR HIRE EXCESS INSURANCE

Any person: -

1. Holding a valid full or internationally recognised driving license

2. Anyone aged between 21 and 74 years of age

3. Eligible to rent and drive the vehicle and able to adhere to the terms of the

Vehicle Rental Agreement

4. Who rents a vehicle for a maximum of 56 days

5. Named on the Vehicle Rental Agreement

MONETARY LIMITS

We can insure You up to the amount of the sum insured or other specified limit,

which will be shown in this policy.

JURISDICTION AND LAW

This insurance shall be governed by the laws of England and Wales, whose

courts alone shall have jurisdiction in any dispute arising from this insurance.

What To Do If You Want To Make A Claim

Should You wish to claim under Your Vehicle Rental Insurance You should call

the Claims Department Helpline as soon as possible. You must give us any

information or help that We ask for. You must not settle, reject, negotiate or

agree to pay any claim without Our written permission. Full details of how to

claim are set out below.

Claims Notification

In the event of loss please contact The Claims Department within 60 days of

the loss.

You will be asked to confirm details of the incident for which You are making a

claim – please have Your policy number to hand.

We may ask You to complete a claim form – which We will send to You, if required.

We will ask You to submit certain documentation to support Your claim (please

see list below). It is important that You submit all documentation requested, as

We will be unable to process Your claim until received. Any payments made for

claims will be paid to You by cheque.

1. a copy of Your Vehicle Rental Agreement.

Section D - Optional Car Hire Excess Cover Upgrade

2. a copy of Your Certificate, which will state Your car hire insurance reference

number and/or insurance policy number.

3. Charge Receipt for the rental (if separate from the Vehicle Rental

Agreement).

4. copies of any invoices, receipts, or other documents confirming any

amount You have paid in respect of the incident for which You are claiming.

5. a front and back copy of the driving licence of the person driving the Rental

Vehicle involved in the accident (the driver). You may also be asked for

other forms of identification.

6. a copy of Your credit card statement showing payment of the damages

claimed.

7. We may also require the following additional documents:

8. if the incident by law requires the attendance of the Police, We require an

original copy of the police report.

9. If You are claiming for any theft, You must supply an original copy of the

police report.

10. If the Rental Company issued an accident damage report, We require a copy

of the report.

The details can be e-mailed, faxed or posted to:

Service Claims, Excess Claims Department,

First Floor, Rayford House, School Road,

Hove, East Sussex BN3 5HX United Kingdom

Phone: 0844 576 0999

From outside the UK, please dial 00 44 1273 741997

Fax Number: + 44 (0) 1273 730 917

E-mail: [email protected]

The Claims Department is available Mon.-Fri. 8:00 – 18:00.

FAILURE TO FOLLOW THESE STEPS MAY DELAY OR JEOPARDISE THE

REIMBURSEMENT OF YOUR COSTS WARRANTY

This insurance is provided for one Rental Vehicle at any one time, which may be

driven and operated by You.

Cover will take effect from the time You take legal control of the Rental Vehicle

and will cease at the time the Vehicle Rental Company assumes control of the

Rental Vehicle whether at its business location or elsewhere. This policy must

have been purchased prior to the commencement of a Vehicle Rental Agreement

for which You wish this policy to be operative.

Assistance Company: who acts on behalf of the Rental Company.

Booking Voucher / Booking Receipt: confirmation that a booking has been

made and premium collected using Rock Insurance website properties. This

contains Your Booking Voucher Number.

Certificate: An insurance validation Certificate issued by the seller which

describes You and the Insured person(s) who are covered under this policy.

Also, it will contain You car hire insurance reference number.

Covered Rental Trip: hire of the Rental Vehicle where the period of hire is shown

in the Vehicle Rental Agreement.

Insurer/Our/Us/We: means Rock Insurance Services Limited and / or Halo

Insurance Services Limited and / or Chubb Insurance Company of Europe SE.

Rental Company: a company or agency who are fully licensed with the regulatory

authority of the country, state or local authority to provide that the Rental

Vehicle is collected.

Rental Vehicle: any vehicle rented under a Vehicle Rental Agreement on a daily

or weekly basis from a Rental Company within the Territories of this Insurance

and which is collected from the Rental Company within the Geographical Scope

of this Insurance.

Specified Driver(s): Drivers listed on the Vehicle Rental Agreement and who can

drive the Rental Vehicle.

Territories: the countries which this policy provides cover, and shown on the

Certificate as ‘Where are You covered’. Please also refer to Our ‘Worldwide

Territory’ definition.

Vehicle Rental Agreement: the contract of hire between the Rental Company

and the Insured Person.

You/Your/Insured Person(s): the lead contracting person named on this

policy who must be the person named as the main driver in the Vehicle Rental

Agreement and who is eligible to drive the Rental Vehicle and any of the

Specified Driver(s) on the Vehicle Rental Agreement

Section 1 – Worldwide Territory

Your Policy cover only applies whilst the Rental Vehicle is being used in or has

been hired in a country defined as a Worldwide Territory.

Where the Rental Vehicle is being used in, to or through the following countries:

Afghanistan, Cuba, Congo, Iran, Iraq, Ivory Coast, Liberia, North Korea,

Myanmar, Sudan, and Zimbabwe.

Admiral Travel Insurance Policy - PW/ADM/00501a Page 23 of 27

Also refer to General Exclusions

Section 2 – Excess Insurance

We will pay up to £2,000 for any single incident or up to £3,000 for a series of

incidents during any single Vehicle Rental Agreement for the reimbursement

of the excess applied by the Rental Company. You are covered for any physical

loss or damage to the Rental Vehicle for which You are responsible under the

terms of the Vehicle Rental Agreement, including:

• Fire;

• Theft;

• Vandalism;

• Physical damage to windscreens, tyres, roof and undercarriage;

• Towing costs relating to the loss or damage;

• Loss of use of the Rental Vehicle

Any Payment over £2,000 for any single incident or £3,000 for a series of

claims during any single vehicle agreement.

Does NOT apply where:

• You have not met the terms of Your Vehicle Rental Agreement

• the Rental Vehicle was not driven by or in the charge or control of You.

Section 3 – Lock Out

In the event that You are unintentionally locked out of the Rental Vehicle, We

will pay costs incurred up to a maximum of £100 to open the vehicle, without

causing any further damage to the Rental Vehicle.

The Rental Company must approve the locksmith and the Assistance Company

is to approve this course of action prior to a locksmith being called out.

All receipts are to be retained and presented by the named insured to the

Assistance Company for the reimbursement to be approved.

Failure to follow these steps may void this cover.

We will not pay:

• Any costs exceeding £100.

• Where the locksmith is not approved by the Rental Company, and where

the course of action was not approved by the Assistance Company.

• Where receipts and invoices are not presented.

• Also refer to General Exclusions

Section 4 – Vehicle Key Replacement

We will pay You costs incurred up to a maximum of £300, for each and every

claim, for replacing a lost or stolen Rental Vehicle key, including replacement

locks and locksmith charges.

• Any amount exceeding £300.

Section 5 – Baggage

In the event of theft or damage to baggage and/or personal belongings in

Your Rental Vehicle as a result of theft or attempted theft following visible

and forcible entry,

We will pay:

• up to £300 in total for any one claim; OR

• up to £150 for any single item.

This is subject to original receipts, proof of purchase or insurance valuations

being received.

Where original receipts, proof of purchase or insurance valuations are not

made available then the maximum payment per single claim is £75, subject to

a maximum of £200.

A contribution of £50 is required towards the payment of each and every claim

made within this section.

• for money, stamps, tickets, documents, securities;

• telephone, communications or entertainment equipment, including but

not limited to mobile phones, satellite navigation systems and games

consoles;

• goods, samples or equipment carried in connection with any trade or

business;

• where the personal belongings and/or baggage are not concealed in

either the locked boot or glove compartment of the Rental Vehicle;

• if a loss is not reported to the Police and a Police report obtained within

24 hours of discovery of the loss;

• where evidence of forced entry of the vehicle have not been confirmed by

the police and/or Rental Company;

• for claims where the Rental Vehicle has been left unattended between the

hours of 20:00hrs and 08:00hrs;

• for claims arising from theft or damage to household goods or anything

shipped as freight or under a bill of lading;

• for any equipment not part of the Rental Vehicle which has been supplied

by the Rental Company;

• where a travel policy is in place which already provides cover for loss or

damage to Your personal belongings and baggage, or where any other

insurance policy is in place which provides the same cover.

The following conditions apply to all sections of this policy.

1. Keeping to the terms of Your policy. The cover provided by this policy

only applies if You have met all the terms and conditions stated within

this document.

2. Number of Rental Vehicles. Cover is provided for one Rental Vehicle at any

one time which may be driven and operated by any of the Insured Persons

as detailed on the Vehicle Rental Agreement. Cover will take effect from

the time You take legal control of the Rental Vehicle and will cease at the

time the Rental Company assumes control of the Rental Vehicle whether at

its business location or elsewhere.

3. Purchase of Policy. This policy must have been purchased and have

commenced, either prior to or to coincide with, the commencement date

of a Vehicle Rental Agreement for which You require this Cover to be

operative.

4. Provision of Accurate Information. You must provide complete and

accurate information to Us when You take out Your insurance policy

and throughout the life of the policy. It is important You ensure that all

statements You make or confirm during the course of requesting a quote

and/or purchasing an insurance policy, together with statements made in

any claims forms, and other documentation are full and accurate. Please

note that if You fail to disclose any material information or change of

circumstances to Us, this could invalidate Your insurance cover and could

mean that part or all of a claim may not be paid.

5. If You have a Claim.

a) The Claims Department must be notified of any accident, proceeding

or other event which may give rise to a claim within 60 days of the

incident.

b) You must co-operate with Us at all times and give Us all the information

and help We request;

c) You must provide Us with the records and documents We request;

d) You must not admit liability, negotiate or refuse any claim without Our

written consent;

e) We are entitled to the control and settlement of all proceedings arising

out of or in connection with Your claim;

f) Claims will not be paid in respect of expenses to the extent that they are

assumed, waived or paid by the Rental Company or its insurers.

g) Expenses reimbursed by Your employers insurer will not be paid;

h) We will not reimburse charges made by Your credit card company.

6. Other Insurance.

Losses will not be paid in respect of any property, damages or expenses

more specifically insured or any claim which but for the existence of this

Insurance should be recoverable under any other Insurance.

7. Proceedings to make a recovery. We may take proceedings in Your name

to recover compensation from any third party in respect of any indemnity

provided under this insurance and any amounts so recovered shall belong

to Us, and the Insured Person shall co-operate and provide all reasonable

assistance as necessary to Us.

8. Our Cancellation Rights. We may cancel Your policy at any time by giving

You 7 days’ written notice to the last known e-mail address (or mailing

address if You do not have an e-mail address) provided by You. We will

give You a proportionate refund of any premiums paid for the insurance

cover remaining, providing You have not made any claim during the period

of insurance cover.

9. Jurisdiction and Law. This policy shall be governed by, and construed in

accordance with the laws of England and Wales whose courts alone shall

have jurisdiction in any dispute arising under this insurance.

10. Driving Licence. All Insured Persons must hold a valid driving licence, or

hold a full internationally recognised licence.

11. Settling Disagreements. If We have agreed to a pay a claim but disagree

over the amount to be paid or any other dispute regarding this insurance

policy, the matter will be referred to an arbitrator who We have both

agreed to. You cannot take legal action until the arbitrator has made a

Admiral Travel Insurance Policy - PW/ADM/00501a Page 24 of 27

12. Care of Vehicle. You must take all reasonable steps to protect the Rental

Vehicle against loss and damage.

The General Exclusions apply to the whole of this insurance policy, and apply in

addition to What is not covered within each policy section.

Your insurance does NOT cover any liability arising directly or indirectly from

any of the following:

1. Fraudulent/Dishonest/Criminal Acts. Any fraudulent, dishonest or criminal

act committed by You the Insured Person or anyone with whom they are

in collusion, or insurance effected in circumstances where a claim might

reasonably be anticipated;

2. Violation of Rental Agreement Terms. From the use of the Rental Vehicle in

violation of the terms of the Vehicle Rental Agreement;

3. Period of Insurance. This policy only applies during the period of the

Vehicle Rental Agreement. This policy is void if the dates of cover for this

policy and the Vehicle Rental Agreement do not coincide. No policy can be

issued retrospectively. This policy will not exceed 56 days from the start

of the Vehicle Rental Agreement, subject the relevant premium being paid.

4. Unacceptable/Unauthorised Drivers. Through driving by persons who

are aged less than 21 years and over 74 years, and persons not named as

authorised drivers on the Vehicle Rental Agreement , and by persons who

do not have a valid driving licence;

5. Unacceptable Vehicles. From the rental of vehicles where the value of the

vehicle exceeds £65,000 or vehicles which are more than 20 years old, or

the rental of ‘antique, expensive or exotic’ vehicles not considered to be

conventional and usual.

6. Unacceptable Vehicle Types. For the rental of vehicles not licensed for road

use, and other vehicles types, including but not limited to trailers, caravans,

camper vans, commercial vehicles, vans, loan or courtesy vehicles, trucks,

motorcycles, mopeds, motorbikes, off-road vehicles, recreational vehicles,

motor homes, passenger vans and vehicles with more than 9 seats.

7. Competition and Performance Driving. Out of the use of any Rental Vehicle

in racing competitions, rallying, trials, rallies or speed testing, or when

driven on a motor sport circuit.

8. Injury, Illness, Drink/Drugs. From self-inflicted injury or illness, alcoholism

or the use of drugs (other than drugs taken in accordance with treatment

prescribed and directed by a registered medical practitioner, but not for

the treatment of drug addiction or self-exposure to needless peril except

in an attempt to save human life).

9. Alcohol Limit. The Insured Person driving any kind of vehicle while the

alcohol level in their blood is higher than the legal limit of the country

where the incident occurs.

10. Radioactivity/Nuclear/Pollution. From the loss or damage to any property

or any liability, loss or exposure resulting or arising from:

a) ionising radiation or contamination by radioactivity from any nuclear

fuel or any waste and the combustion of nuclear fuel; or

b) the radioactive toxic explosive or other hazardous properties or any

explosive nuclear assembly or nuclear component thereof.

c) the actual, alleged or threatened discharge, dispersal, seepage,

migration, release or escape of pollutants;

11. War and Hostilities. From loss or damage caused by war (whether war be

declared or not), invasion, acts of foreign enemies, hostilities, civil war,

rebellion, revolution, insurrection, terrorism, military or usurped power or

confiscation or nationalisation or requisition or destruction of or damage

to property by or under the order of any government or public or local

authority;

12. Other Insurance. The amount of the indemnity You are entitled to claim

from any other insurance whether or not the insurer refuses the claim or

fails to settle for any reason whatsoever;

13. Rental Vehicles Contents. From any loss or damage to the Rental Vehicle’s

contents;

14. Fines, Penalties etc. From fines, penalties, exemplary or punitive damages

or any other type or kind of judgement or award which does not compensate

the party benefiting from the award or judgement for any actual loss or

damage sustained;

15. Workers Compensation Act. Out of any obligation for which You may be

held liable under any Workers Compensation Act, disability benefits or

unemployment law or any similar law;

16. Property in Your Control. From any loss or damage to material property

transported by You or in Your care, custody or control.

17. Wear and Tear. Out of wear and tear, gradual deterioration, insect or

vermin, inherent vice.

18. Off Road. Out of losses occurring from driving whilst not on a Public

Motorway.

19. Mechanical Breakdown & Incorrect Fuel. From loss or damage to the Rental

Vehicle as a result mechanical breakdown or as a result of the fuel tank

being filled with the incorrect fuel type.

20. Payment of Premium. Where the full premium or any additional premium

have not been paid by You.

21. Illegal Transport. From loss or damage whilst carrying illegal goods in the

Rental Vehicle or whilst transporting contraband.

Complaints Procedure

Halo Insurance Services Limited and Chubb Insurance Company of Europe SE

aim to provide a service that will cause no cause for complaint. However if You

are dissatisfied with the service We have provided please write to:

The Complaints Department

Halo Insurance Services Limited

8 The Square, Stockley Park, Heathrow,

Uxbridge, UB11 1FW, UNITED KINGDOM

quoting Your policy number or claim reference number and give us full details

of Your complaint.

Halo Insurance Services Limited are authorised to issue a final response to Your

complaint but where appropriate, the final response may be issued by Your

insurer, Chubb Insurance Company of Europe SE.

Should You remain dissatisfied having received a final response, You may be

able to take Your complaint to the Financial Ombudsman Service (FOS), South

Quay Plaza, 183 Marsh Wall, London, E14 9SR.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation scheme (FSCS). You may

be entitled to compensation from this scheme if We cannot meet Our financial

obligations. For claims against insurers, 90% of the claim is covered. Further

information about the compensation scheme arrangements is available at www.

fscs.org.uk or by contacting the FSCS on telephone number 020 7892 7300.

Confidentiality and Data Protection

All information about You of a sensitive or personal nature will be treated as

private and confidential. We will however use and disclose the information We

have about You in the course of arranging, placing and administering Your

insurance. This may involve passing information about You to insurers, other

intermediaries and other third parties involved (directly or indirectly) in Your

insurance

We may also pass information about You to other companies which are in or are

associated with Our group.

We or they may also use the information We hold about You to provide You with

information on other products and services We or they can offer and which We

or they feel may be of interest to You. If You do not wish to receive marketing

information from Us or them, please contact Us immediately.

Information About Your Insurance Providers

Halo Insurance Services Limited registered office:

Suite 1, 56 Gloucester Road, London, SW7 4UB and is registered in England

number 6929208.

Authorised and regulated by the Financial Services Authority Ref. No. 504629

for the sale and administration of general insurance products in the United

Kingdom and throughout the European Economic Area (EEA).

Halo Insurance Services Limited acts as Administrators for the Insurer, Chubb

Insurance Company of Europe SE.

Chubb Insurance Company of Europe SE.

Registered office 106 Fenchurch Street, London, EC3M 5NB, England

A European company incorporated in England & Wales registered under

company number SE13

Authorised and Regulated by the Financial Services Authority

BY THIS POLICY. HAVING DONE THIS TELEPHONE HALO STATING YOUR NAME

Claims Helpline (from the UK): 0844 826 6563

Claims Helpline (from abroad): +44 (0) 20 7895 3200

Admiral Travel Insurance Policy - PW/ADM/00501a Page 25 of 27

Cover (per person unless otherwise

shown)

Section A - Travel Insurance Summary of Cover

Economy Cover

Limits up to

Excess

Standard Cover

Admiral Travel Insurance Policy - PW/ADM/00501a Page 26 of 27

Premier Cover

Backpacker

1. Personal Assistance Services £250 per Trip Nil £250 per Trip Nil £250 per Trip Nil £250 per Trip Nil

2. Medical Emergency & Repatriation £3,000,000 £200 £5,000,000 £150 £10,000,000 £100 £5,000,000 £150

3. Emergency Dental Treatment £350 £200 £350 £150 £500 £100 £350 £150

4. Additional Accommodation &

£1,000 Nil £1,500 Nil £2,000 Nil £1,500 Nil

Travelling Cost

5. Hospital Daily Benefit N/A N/A £25 per complete 24

hours of inpatient

treatment; maximum

of £100

Nil £25 per complete 24

of £600

Nil

6. Cancellation & Curtailment £1,000 £200/£20

for Loss of

Deposit

7. Travel Delay

£2,000 £150/£20

Delay N/A N/A £20 for the first full 12

hours delay then £10

for each subsequent

full 12 hours; maximum

of £300

Abandonment N/A N/A £2,000 £150/£20

£5,000 £100/£20

for Loss

of Deposit

Nil £20 for the first full 12

£5,000 £100/£10

Transport Cancellation N/A N/A £500 Nil £1,500 Nil £500 Nil

8. Missed Departure on the Outward N/A N/A £800 £150 £1,000 £100 £800 £150

Journey

9. Personal Luggage £1,000 £200 £1,500 £150 £2,000 £100 £1,500 £150

10. Luggage Delay on Your Outward

N/A N/A £50 per complete 24

hours; maximum of

£100

Nil £50 per complete 24

£150

11. Money £200 £200 £350 £150 £500 £100 £350 £150

12. Personal Liability £2,000,000 per policy £200 £2,000,000 per policy £150 £2,000,000 per policy £100 £2,000,000 per policy £150

13. Personal Accident

Death £5,000 Nil £5,000 Nil £5,000 Nil £5,000 Nil

If the Insured Person is aged

£1,000 Nil £1,000 Nil £1,000 Nil £1,000 Nil

under 18 or over 65

Loss of one or more Limbs, or £10,000 Nil £25,000 Nil £25,000 Nil £25,000 Nil

total and irrecoverable Loss of

Sight in one or both eyes

Permanent Total Disablement £10,000 Nil £25,000 Nil £50,000 Nil £25,000 Nil

over 65

14. Legal Protection £10,000 per policy £200 £15,000 per policy £150 £50,000 per policy £100 £15,000 per policy £150

15. Withdrawal of Services N/A N/A £500 Nil £750 Nil £500 Nil

16. Catastrophe N/A N/A £1,000 Nil £1,500 Nil £1,000 Nil

17. Pet Care N/A N/A £20 per complete 24

£200

Nil £20 per complete 24

£300

18. Hijack N/A N/A £50 per complete 24

£350

19. Cancellation & Curtailment N/A N/A £2,000 £150/£20

£500

20. Skis, Ski Equipment & Ski Pass N/A N/A £500 £150 £1,000 £100 N/A N/A

Single Article Limit (owned) N/A N/A £500 £150 £1,000 £100 N/A N/A

Single Article Limit (hired) N/A N/A £250 £150 £500 £100 N/A N/A

Ski Pass N/A N/A £75 per complete 24

£150 £75 per complete 24

£450

£100 N/A N/A

21. Piste Closure N/A N/A £20 per complete 24

22. Avalanche or landslide N/A N/A £20 per complete 24

23. Ski Equipment Delay N/A N/A £20 per complete 24

N/A

Nil N/A N/A

24. Golf Equipment N/A N/A £1,000 £150 £1,500 £100 N/A N/A

N/A N/A £500 £150 £500 £100 N/A N/A

25. Golf Equipment Hire N/A N/A £20 per complete 24

26. Green Fees N/A N/A £50 per complete 24

£100 N/A N/A

27. Business Equipment N/A N/A £1,000 £150 £2,000 £100 N/A N/A

Single Article Limit N/A N/A £500 £150 £750 £100 N/A N/A

Business Samples N/A N/A £100 £150 £500 £100 N/A N/A

Computer Equipment Limit N/A N/A £750 £150 £1,500 £100 N/A N/A

Business Equipment Delay N/A N/A £50 per complete

24 hours; maximum

of £150

28. Business Equipment Hire N/A N/A £125 per complete 24

£100 per complete

£150 per complete

of £750

29. Business Money N/A N/A £250 £150 £500 £100 N/A N/A

30. Emergency Courier Expenses N/A N/A £500 £150 £500 £100 N/A N/A

31. Optional Wedding Cover

A. Additional Cancellation £1,500 £200/£20

Loss of

£3,000 £150/£20

£10,000 £100/£20

B. Wedding Rings £1,000 per ring £200 £2,500 per ring £150 £5,000 per ring £100 N/A N/A

C. Wedding Gifts £3,000 per couple £200 £5,000 per couple £150 £10,000 per couple £100 N/A N/A

D. Wedding Attire £3,000 per couple £200 £5,000 per couple £150 £10,000 per couple £100 N/A N/A

E. Photographs & Videos £3,000 per couple £200 £5,000 per couple £150 £10,000 per couple £100 N/A N/A

F. Wedding Cars & Transport £500 per couple £200 £1,000 per couple £150 £2,000 per couple £100 N/A N/A

G. Cakes & Flowers £3,000 per couple £200 £5,000 per couple £150 £10,000 per couple £100 N/A N/A

Section B - Scheduled Airline Failure Summary of Benefits

Backpacker Cover

1. Scheduled Airline Failure Cover Nil Nil Nil Nil £1,500 Nil N/A N/A

Cover (per Policy unless otherwise

Section C - Optional Gadget Cover Summary of Benefits

1. Level 1 (Up to 3 Gadgets per Policy) £1,000 £50 £1,000 £50 £1,000 £50 N/A N/A

2. Level 2 (Up to 5 Gadgets per

£2,000 £50 £2,000 £50 £2,000 £50 N/A N/A

Policy)

3. Level 3 (Up to 7 Gadgets per Policy) £3,000 £50 £3,000 £50 £3,000 £50 N/A N/A

Section D - Optional Car Hire Excess Cover Summary of Benefits

1. Car Hire Excess Insurance £3,000 Nil £3,000 Nil £3,000 Nil N/A N/A

Single Article Limit £2,000 Nil £2,000 Nil £2,000 Nil N/A N/A

2. Lock Out £100 Nil £100 Nil £100 Nil N/A N/A

3. Vehicle key Replacement £300 Nil £300 Nil £300 Nil N/A N/A

4. Baggage £300 Nil £300 Nil £300 Nil N/A N/A

5. Single Article limit £150 Nil £150 Nil £150 Nil N/A N/A

Admiral Travel Insurance Policy - PW/ADM/00501a Page 27 of 27

Recommendations

Your Travel Insurance Policy Reference Number: Admiral/2013 13Q01, 13Q02, 13Q03 Introduction To Your Policy This policy has been arranged by Rock Insurance Services Limited who collects and holds premium as agents of the Insurers. Rock Insurance Services Limited is authorised and regulated by the Financial Services Authority (FSA). Our FSA registration number is 300317. You can check the regulatory status of Rock Insurance Services Limited by visiting www.fsa.gov.uk/register or by telephoning 0845 606 1234. This policy contains a number of different sections offering different types of cover supplied by a number of different Insurers, that Rock Insurance Services has brought together to offer a choice of cover for You. It will depend on the choice of cover, upgrade options and premium You have paid as to which Sections of Cover in this policy wording are relevant to You. You will not receive advice or a recommendation in connection with the purchase of Your insurance. You will need to make Your own choice about the policy. You have the right to cancel this insurance should it not meet Your needs within 14 days from either the date of purchase or receipt of Your Certificate of insurance, whichever is later, and provided that You have not already travelled. If You do decide to cancel the policy then Your premium will be refunded in full, provided no claims have been made or no incidents have occurred that may give rise to a claim. If You are in any doubt about any aspect of this policy wording and how it relates to You please contact us using the telephone number on Your Certificate of insurance. This policy will suit the demands and needs of an individual or group (where applicable) who are travelling to countries included within the policy terms and who wish to insure themselves against the full financial impact of specified unforeseen circumstances/events relating to or occurring during their trip. Full details of these circumstances/ events, levels of cover and terms and conditions can be found within this policy wording. This policy will cover certain pre-existing medical conditions contained within the waived conditions list on page 3. However if the pre-existing condition is not listed in the waived conditions, then You will need to declare Your pre-existing medical condition to medical screening. Cover for any such medical condition will not be in place unless You have declared the condition, had it accepted in writing, and paid an additional premium. You should read the important conditions and exclusions to ensure that this policy is right for You. Specifically You should note that the policy may not be applicable if: • You reside outside the UK Area; • You are over the age of 74 years old when You purchase the Single Trip policy; • You are over the age of 64 years old when You purchase the Annual Multi-Trip policy; • You require Winter Sports cover and are over the age of 65; • You require Backpacker cover but are over the age of 45 when You purchase the policy. Please be aware that You are responsible for making us aware of all material facts which may affect the assessment and acceptance of risk of being insured. You must inform us if there are any changes to Your medical conditions as this may affect Your ability to be covered under this policy. We always aim to provide a first class service. However if You have any cause for complaint, any enquiry should be addressed in the first instance to The Compliance Manager, Rock Insurance Services Limited, 6 Magellan Terrace, Gatwick Road, Crawley, West Sussex RH10 9PJ or email [email protected]. Should You remain dissatisfied You may have the right to ask the Financial Ombudsman Service to review Your complaint. We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if We are unable to meet Our obligations. This depends on the type of business, and circumstances of the claim. Insurance arranging is covered for 90% of the claim, without any upper limit. Further information can be obtained from the Financial Services Compensation Scheme by visiting their website at www.fscs.org.uk. 10 Things To Do Before You Go 1. Check the Foreign and Commonwealth Office (FCO) travel advice online at www.fco.gov.uk or phone 0845 850 2829. 2. Get travel insurance and check that the cover is appropriate. 3. Get a good guidebook and get to know the place You are going to. Find out about local laws and customs. 4. Make sure You have a valid passport and any visas You need. 5. Check what vaccinations You need at least six weeks before You go. 6. Check to see if You need to take extra health precautions (visit www.dh.gov.uk/en/publichealth). 7. Make sure whoever You book Your Trip through is a member of the Association of British Travel Agents (ABTA) or the Air Travel Organisers’ Licensing scheme (ATOL). 8. Photocopy Your passport, insurance policy, 24-hour emergency numbers and Your ticket details and leave copies with family and friends. 9. Take enough money for Your trip and some back-up funds, for example, traveller’s cheques, sterling or US dollars. 10. Tell Your family or friends where You will be staying and what You plan to do, and give them a way of contacting You (such as an e-mail address). Important Under the new travel directive from the European Union (EU), You are entitled to claim compensation from Your airline if any of the following happens: 1. You are not allowed to board or Your flight is cancelled: If You check-in on time but You are not allowed to board because there are too many passengers for the number of seats available or Your flight is cancelled, the airline operating the flight must offer You financial compensation. 2. There are long delays: If You are delayed for two hours or more, the airline must offer You meals and refreshments, hotel accommodation and communication facilities. If You are delayed for more than five hours, the airline must also offer to refund Your ticket. 3. Your baggage is damaged, lost or delayed: If Your checked-in baggage is damaged or lost by an EU airline, You must make a claim to the airline within seven days. If Your checked-in baggage is delayed, You must make a claim to the airline within 21 days of when You get Your baggage back. 4. You are injured or die in an accident: If You are injured in an accident on a flight by an EU airline, You may claim damages from the airline. If You die as a result of these injuries Your family may claim damages from the airline. 5. You do not receive the services You have booked: If Your tour operator does not provide the services You have booked, for example, any flights or a part of Your package holiday, You may claim damages from the tour operator. You can download more details from http://ec.europa.eu/transport/passengers/air/air_en.htm Admiral Travel Insurance Policy - PW/ADM/00501a Page 1 of 27

Page 2 and 3: Contents Your Travel Policy Page 2
Page 4 and 5: Important Notes We would like to dr
Page 6 and 7: Period of Insurance is limited to t
Page 8 and 9: If Our medical officer advises a da
Page 10 and 11: authority in any country. You shoul
Page 12 and 13: Insured Event An event which leads
Page 14 and 15: stolen in any one incident is limit
Page 16 and 17: What is not covered (Applies to sec
Page 18 and 19: 2. Any person practicing in Winter
Page 20 and 21: Section B - Scheduled Airline Failu
Page 22 and 23: 13. The VAT element of any claim if
Page 24 and 25: Also refer to General Exclusions Se
Page 26 and 27: Cover (per person unless otherwise

Extended embed settings

Inappropriate

You have already flagged this document. Thank you, for helping us keep this platform clean. The editors will have a look at it as soon as possible.

Mail this publication

Delete template.

Are you sure you want to delete your template?

DOWNLOAD ePAPER

This ePaper is currently not available for download. You can find similar magazines on this topic below under ‘Recommendations’.

Save as template?

Help & Support
tuxbrain.com
ooomacros.org
nubuntu.org
Terms of service
Privacy policy
Cookie policy
Cookie settings

Choose your language

Main languages

Further languages

Bahasa Indonesia

Performing this action will revert the following features to their default settings:

Hooray! Your file is uploaded and ready to be published.

Saved successfully!

Ooh no, something went wrong!

Help and Support

Which van insurance class of use do you need?

Article contents.

18 June 2024 | 5 minute read

If you drive a van or are considering buying one, you may not be aware of the different kinds of van insurance available.

There’s more than one class of van insurance out there, but which is best for you? Do you need business van insurance, or just social and domestic?

Why are there different classes of use for van insurance?

Not everyone uses their van for the same reasons, which is why different classes of use exist.

The type of insurance you can get for your van depends on how you use it, how much you drive it, and the risks surrounding these two factors.

How many classes of van insurance use are there?

There are four main classes of use for van insurance:

Social, Domestic and Pleasure Only

Social and commuting, business use for carriage of own goods, haulage of goods for hire and reward.

The class of use that your van falls into mainly depends on whether you’re using it in your personal life or for business.

So, what do each of these classes mean?

This class of use is for those who only use their van for personal reasons, not for commuting to and from work or for any kind of business.

In short, your van is used for everyday personal life reasons, and that’s it.

Example: You use your van to do things like run personal errands, go shopping, and pick up your children from school.

Social and Commuting is for those who use their van for personal reasons and to commute to and from work.

Example: You use your van to drive to and from your office job, as well as to run personal errands and go shopping.

This class of use is for business purposes, including commuting.

It’s popular among tradesmen like plumbers and construction workers who need to transport their own materials and tools from one location to another.

Example: You’re a self-employed plumber and you use your van to travel to and from jobs, all while carrying the resources you need to work.

Note that this class of use isn’t needed for having tools in your van. On top of this, it’s important to keep in mind that, on many business class of use van policies, only the policyholder’s profession or business applies to what the van can be used for.

Other drivers can use it for social or pleasure, but not for a separate business venture.

This is another class of business van use but is slightly different to the previous option. Haulage of Goods for Hire and Reward is for those who use their van to deliver packages or takeaways.

People with this class of use tend to pay more for their insurance, as they’re spending a lot of time on the road as couriers.

Example: You work for a large courier (such as Evri) but use your own van to deliver goods.

Example: You work for a fast food service and deliver takeaways.

Should I tell my insurer if I start using my van for different things?

If you start using your vans for things outside of your insurance type’s limits, you need to let your insurer know.

For instance, if you have Social, Domestic and Pleasure Only van insurance, but start using your van for a side-business, such as washing cars, you may need to switch to a kind of business van insurance.

Check out our van insurance checklist to see if you’ve got everything in place for your van.

What happens if I’m not insured with the right class of use?

If you’re not insured with the right class of use, you may not be able to make a claim if something happens to your van.

For instance, if you’re delivering parcels using your van but you’re insured under Social, Domestic and Pleasure Only, your insurer could reject your claim if your van gets damaged or the goods inside are stolen.

Not sure if you’re even driving a car or a van? Check out our guide to find out if you’re driving a car or van .

Can I use my van for social and pleasure as well as business?

This depends on your policy details. If you have a kind of business van insurance, but your policy states that you can also use your van for personal reasons, then you’re good to go.

But it’s always best to check your policy documents beforehand or contact your insurer to see what you can and can’t do.

Why is van business insurance more expensive than social and domestic?

Vans used for business purposes tend to be driven a lot more frequently.

For instance, if you’re using your van to transport packages, you’ll be clocking a lot of miles on the road as you drive from one delivery to the next.

You’re also carrying other people’s packages, so there’s a risk there of damage or loss that your insurer needs to account for.

Can I get van business insurance temporarily?

There are providers that offer temporary commercial or business van insurance for the different classes of use.

This can either be to insure your own van for business use, or to borrow a van for business use.

Share with your friends...

Check out our related articles.

07 Feb 2019

Which van should I buy?

30 May 2023

Van locks explained: which locks work best

Van driving for beginners

https://admiral.com/magazine/guides/van-insurance/which-class-of-use

Key benefits of travel medical insurance

Travel medical insurance coverage
Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Travel medical insurance covers unexpected emergency medical expenses while traveling.
Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens.

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa.

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

Hospital room and board
Inpatient/outpatient hospital services
Prescription Drugs
COVID-19 treatment
Emergency room services
Urgent care visits
Local ambulance
Acute onset of pre-existing conditions
Dental coverage (accident/sudden relief of pain)
Medical care due to terrorist attack
Emergency medical evacuation
Repatriation of mortal remains
Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks.

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare.

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company.

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance. Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19.

Still on the fence about whether or not travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation.

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage.

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

Main content

IMAGES

Insurance Certificate Admiral
Admiral Travel Insurance for Your Safe and Secure Journeys
Admiral Travel Insurance For Secure and Carefree Journeys
Admiral Contents Insurance Policy: Protect Your Possessions In Style
Admiral Travel Insurance: Reviews, Policies, Login
How to Find Out if a Travel Insurance Plan Includes Catastrophe Cover

COMMENTS

Policy documents and booklets
Admiral Travel Insurance documents. Your Travel Insurance Guide If you have a Single Trip or have purchased an Annual Multi Trip policy in the last year. Your Travel Insurance Guide (Renewal Customers) If you have an Annual Multi Trip policy which has renewed in the last year. ...
Holiday & Travel Insurance
Annual Travel Insurance. Cover for 12 months on an unlimited number of trips lasting up to 31 days each. This is for travellers aged 18 up to 90, depending on region of cover. If you need cover for trips longer than 31 days, you can select the required trip length when completing your quote (subject to eligibility).
Annual Multi-Trip Travel Insurance
Admiral's Annual Travel Insurance includes unlimited travel over the year for trips up to 31 days. Get a quote today ... You can: View your documents, Change your travel plans: dates and destinations, Add travellers, Update your medical history, Add extra cover, and more! You can access our portal 24/7, without needing to call us.
Travel Insurance FAQs
You can: View your documents, Change your travel plans: dates and destinations, Add travellers, Update your medical history, Add extra cover, and more! You can access our portal 24/7, without needing to call us. ... Your Admiral Travel Insurance policy covers you for a wide range of sports and activities including jet skiing, parasailing ...
Single Trip Travel Insurance
Cancellation Cover Up to £5,000 depending on cover level. Personal Belongings Up to £2,500 depending on cover level. Single Trip Insurance is the perfect way to get covered if you don't travel often. Choose from three levels of cover: Admiral, Admiral Gold or Admiral Platinum. If you plan on taking a few holidays in the next 12 months, our ...
Worldwide Travel Insurance
Admiral's single trip policy covers up to 365 days, making it great for gap years and extended trips. If you think you'll be going on multiple trips throughout the year (up to 31 days per trip) then an annual worldwide travel insurance policy could be better for you.
PDF Guide to your Admiral Travel Insurance cover
In order that this document may be issued as evidence of your contract for insurance, the Authorised Insurers have entered into an agreement with EUI Limited, which allows an authorised Underwriter at EUI Limited to issue this document on their behalf. Governing Law Unless otherwise agreed with you, this insurance is governed by English Law and all
PDF Guide to your Admiral Travel Insurance cover
4 Your Cover with Admiral Admiral Travel Insurance Your contract of insurance has been arranged for you by EUI Limited. Your contract of insurance has been arranged with the Authorised Insurer. EUI Limited is an insurance intermediary; it is not an insurer itself. EUI Limited is permitted to sell insurance on behalf
PDF Your Travel Insurance Policy
Admiral Travel Insurance Policy - PW00845-v20 Page 1 of 27 Your Travel Insurance Policy Reference Number: Admiral/16ADM01, 16ADM02 WHO WE ARE ... documents by post, You require an amendment to Your policy at a later date or You wish to cancel Your policy. FINANCIAL SECURITY
Create Claim
Admiral is a trading name of EUI Limited. EUI Limited is registered in England and Wales at Tŷ Admiral, David Street, Cardiff. CF10 2EH (Reg No: 02686904). EUI limited is authorised and regulated by the Financial Conduct Authority (Firm reference number: 309378). These details can be confirmed by visiting the Financial Services Register, www ...
Holiday cancellation cover and travel insurance
Admiral Platinum. Cancellation cover. £1,500. £3,000. £5,000. Also, the higher the level of cover you have, the more the excess reduces too. We pay up to the policy limits for: deposits or package holiday cancellation charges. accommodation and travel costs.
Admiral Travel Insurance
Admiral Travel Insurance is a UK-based insurance provider that offers travel insurance for both domestic and international trips. With 30 years in the business, the company provides affordable and reliable travel insurance coverage to customers. Admiral Travel Insurance is underwritten by Great Lakes Insurance SE, and it is regulated by the ...
PDF Admiral Insurance
Missed departure: up to £750 for further travel and accommodation costs. Travel Delay or Abandonment: £25 for each 12 hours you are delayed, up to £250 or up to £3,000 if you decide to abandon your trip following a delay of more than 24 hours. Money and travel documents: up to £400 for loss, theft or damage.
Admiral Travel Insurance Review
Admiral was founded in 1993 as a car insurance provider, expanding into home insurance in 2012 and travel insurance in 2017. The provider also offers pet insurance and multi-cover insurance for ...
PDF Admiral Insurance
Admiral Insurance Insurance Product Information Document Company: EUI Limited Product: Admiral Travel Insurance (Single trip and Multi trip cover) EUI Limited is registered in the UK and is authorised and regulated by the Financial Conduct Authority, Financial Services Register ... Money and travel documents: up to £300 for loss, theft or ...
Admiral Travel Insurance: Reviews, Policies, Login
Reevoo - There are more than 16,000 reviews for Admiral. Of these, 98% would buy again and customers really liked that enquiries are handled effectively. Quick and efficient to organise for a four day trip, also economical. Robert. Reviews.io - There are more than 900 reviews and the average rating is three stars.
Admiral travel insurance review
Admiral travel insurance: how can I claim? For emergency medical assistance call +44 (0)292 010 7777. To make a claim, call 0333 234 9914. Before calling for cancellation claims, you should contact your travel agent and/or airline to seek a refund or to move your trip. You'll need your policy document when you call.
login.admiral.com
<iframe src="https://www.googletagmanager.com/ns.html?id=GTM-88JZ" height="0" width="0" style="display:none;visibility:hidden"></iframe> You need to enable JavaScript ...
Compare Admiral Travel Insurance
What does Admiral travel insurance include? Admiral travel insurance will cover all of the essentials of travel insurance to keep you safe on your trip. This includes cover for medical emergencies, cancellations, lost baggage, and lost money or travel documents.
Compare Admiral Travel Insurance
For the full list of what is covered by your travel insurance, check the policy documents. The most basic of the three available policies, Admiral, covers: Emergency medical treatment and repatriation up to £10 million. Cancellation and curtailment up to £1,500. Personal belongings up to £1,000. Money and documents up to £300. Admiral Gold ...
Travel Insurance Policy Wording
policy following the death of the Insured Person (except when the subject of a . claim occurring in the course of a Trip) . If premium has been paid for any period beyond the date of cancellation of this . insurance, the relevant pro-rata portion of this premium will be refunded to .
Admiral travel insurance review
Admiral travel insurance customer reviews. Admiral has a Trustpilot rating of 4.5 out of 5.0 stars from over 57,000 customer reviews. 70% of customers have rated it as 'Excellent' with 14% rating it as 'Bad'. Admiral's customer reviews on Trustpilot include Admiral Insurance as a whole and are not specific to its travel insurance policies.
A complete guide to different classes of use for van insurance
Admiral Money, Admiral Loans, Admiral Car Finance, Admiral One and Finble are all trading names of Admiral Financial Services Limited (AFSL). Admiral Financial Services Limited (Reg No: 10255225) is a subsidiary of Admiral Group plc and is authorised and regulated by the Financial Conduct Authority (Firm reference number: 771862).
Travel Medical Insurance: Your Guide to Staying Protected on Trips
If you have to use your travel medical insurance, keep all documents related to your treatment. Of all the delights associated with travel to far-flung locales, getting sick or injured while away ...
Admiral Travel Claim taking over 2 months
Admiral Travel Claim taking over 2 months. Hello, not sure if anyone has experienced this. But I purchased an annual travel Insurance policy with Admiral on the 1st week of January 2022. I travelled and had to make a claim for a missed flight which was submitted and confirmed as received in the last week of January 2022.