Policy Wording - Insure me 4
Policy Wording - Insure me 4
Policy Wording - Insure me 4
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2. Any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised<br />
cholesterol, stroke, aneurysm) that has occurred at any ti<strong>me</strong> prior to the com<strong>me</strong>nce<strong>me</strong>nt of cover<br />
under this policy and/or prior to any trip.<br />
Public transport – Any publicly licensed aircraft, sea vessel, train or coach on which you are booked<br />
to travel.<br />
Secure luggage area – Any of the following, as and where appropriate:<br />
• The locked dashboard, boot or locked luggage compart<strong>me</strong>nt of a hatchback vehicle fitted with a lid<br />
closing off the luggage area, or of an estate car with a fitted and engaged tray or roller blind cover<br />
behind the rear seats.<br />
• The fixed storage units of a motorised or towed caravan.<br />
• A locked luggage box, locked to a roof rack which is itself locked to the vehicle roof.<br />
Single article – Any one article or pair or set of articles (including golf clubs) or collection which is used or<br />
worn together, except when the optional golf cover section is purchased and shown in the certificate then<br />
the single article limit applies to each individual golf club and not the set as a whole.<br />
Single parent family – One adult and all of his/her unmarried dependent children (including adopted,<br />
fostered and step-children) under the age of 18 years (or under the age of 21 if in full-ti<strong>me</strong> education), living<br />
in the sa<strong>me</strong> household (except children when attending full-ti<strong>me</strong> education). For annual multi-trip cover, the<br />
adult can travel independently, however, all insured children must travel with a responsible adult over the age<br />
of 18 years.<br />
Ski equip<strong>me</strong>nt – Skis, mono-ski or snowboard, ski boots, ski bindings and ski sticks.<br />
Special sports and activities – The activities listed under the optional special sports & activities cover<br />
section of this policy.<br />
Strike or industrial action – Any form of industrial action, whether organised by a trade union or not, which<br />
is carried on with the intention of preventing, restricting or otherwise interfering with the production of<br />
goods or the provision of services.<br />
Terrorism – an act, including but not limited to the use of force or violence and/or the threat thereof, of any<br />
person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s)<br />
or govern<strong>me</strong>nt(s), committed for political, religious, ideological or ethnic purposes or reasons including the<br />
intention to influence any govern<strong>me</strong>nt and/or to put the public, or any section of the public in fear.<br />
Theft – The dishonest appropriation of property by another person with the intention of permanently<br />
depriving you of it.<br />
Third party – Any natural person or legal entity other than:<br />
• You;<br />
• Your close relative(s);<br />
• Your partners, directors, employees and other close business associates.<br />
Travelling companion – Means a person(s) with whom you have booked to travel on the sa<strong>me</strong> travel<br />
itinerary and without whom your travel plans would be impossible.<br />
Travel docu<strong>me</strong>nts – Travel tickets, accommodation and other redeemable travel vouchers, Green Cards,<br />
driving licences and passports.<br />
Trip(s) – A holiday or journey for leisure or business purposes that takes place during the period of<br />
insurance which begins when you leave ho<strong>me</strong> and ends when you get back ho<strong>me</strong>, or to a hospital or<br />
nursing ho<strong>me</strong> in the United Kingdom, whichever is earlier. For single trip cover, any other holiday or trip<br />
which begins after you get back ho<strong>me</strong> is not covered.<br />
18 Travel Insurance <strong>Policy</strong> Docu<strong>me</strong>nts