Policy Wording - Insure me 4

Zone 3 – All countries Worldwide, excluding the United States, Canada, Mexico, Bermuda and the
Caribbean.
Zone 4 – All countries Worldwide.
Annual multi-trip
Zone 1 – Europe excluding Spain, Turkey, Cyprus, Malta and Greece.
Zone 2 – Europe including Spain, Turkey, Cyprus, Malta and Greece.
Zone 3 – Worldwide excluding the USA, Canada, the Caribbean, Mexico and Thailand.
Zone 4 – Worldwide including the USA, Canada, the Caribbean, Mexico and Thailand.
Golf equipment – Golf clubs, golf balls, golf bag, golf shoes and non-motorised golf trollies.
Hijack – The unlawful seizure or wrongful exercise of control of an aircraft or conveyance that you are
travelling in as a passenger.
Home – Your principal place of residence, used for domestic purposes, and including garage(s) and other
outbuilding(s).
Home area or home country – For residents of the United Kingdom excluding Channel Islands and the
Isle of Man, your home country means the United Kingdom. For residents of the Channel Islands and Isle
of Man, your home area means the Channel Islands or Isle of Man depending on where your home is.
Illness/Illnesses – Any condition, disease, set of symptoms or sickness leading to a change in your health
and as diagnosed and confirmed by a Doctor during the period of insurance and which is not a
pre-existing medical condition unless the pre-existing medical condition has been disclosed to us and
accepted in writing by us.
Incidental – Happening on a casual or occasional basis.
Insured couple - With specific regard to optional wedding cover, the Bridge and Bridegroom, being
insured persons.
Insured person or you/your/youself – 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 85 years of age if you have purchased a single trip policy, or 80 years of age if you have purchased
an annual multi-trip trip policy or 75 years of age if you have purchased a long stay policy or 71 years of
age if you have purchased a winter sports policy.
Insurer/ERV/we/our/us: ERV trading as ETI International Travel Protection. (Some sections of cover may
be underwritten by another insurer. This will be made clear at the start of those sections and Insurer/we/
our/us will then refer to the other insurer.)
Limits of cover – Unless stated to the contrary, our maximum liability in any one period of insurance is
limited to the amount stated in each section, per insured person.
Loss of limb – Loss by physical severance, or the total and irrecoverable permanent loss of use or function
of, an arm (or both arms) at or above the wrist joint(s), or a leg (or both legs) at or above the ankle joint(s).
Loss of sight – Total and irrecoverable loss of sight in one or both eye(s); this is considered to have
occurred if the degree of sight remaining after correction is 3/60 or less on the Snellen Scale. (This means
being able to see at 3 feet or less what you should see at 60 feet).
Travel Insurance Policy Documents
15