Policy Wording - Insure me 4

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 – Any publicly licensed aircraft, sea vessel, train or coach on which you are booked
to travel.
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.
Single article – Any one article or pair or set of articles (including golf clubs) or collection which is used or
worn together, except when the optional golf cover section is purchased and shown in the certificate then
the single article limit applies to each individual golf club and not the set as a whole.
Single parent family – One adult and all of his/her unmarried dependent children (including adopted,
fostered and step-children) under the age of 18 years (or under the age of 21 if in full-time education), living
in the same household (except children when attending full-time education). For annual multi-trip cover, the
adult can travel independently, however, all insured children must travel with a responsible adult over the age
of 18 years.
Ski equipment – Skis, mono-ski or snowboard, ski boots, ski bindings and ski sticks.
Special sports and activities – The activities listed under the optional special sports & activities cover
section of this policy.
Strike or industrial action – Any form of industrial action, whether organised by a trade union or not, which
is carried on with the intention of preventing, restricting or otherwise interfering with the production of
goods or the provision of services.
Terrorism – an act, including but not limited to the use of force or violence and/or the threat thereof, of any
person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s)
or government(s), committed for political, religious, ideological or ethnic purposes or reasons including the
intention to influence any government and/or to put the public, or any section of the public in fear.
Theft – The dishonest appropriation of property by another person with the intention of permanently
depriving you of it.
Third party – Any natural person or legal entity other than:
• You;
• Your close relative(s);
• Your partners, directors, employees and other close business associates.
Travelling companion – Means a person(s) with whom you have booked to travel on the same travel
itinerary and without whom your travel plans would be impossible.
Travel documents – Travel tickets, accommodation and other redeemable travel vouchers, Green Cards,
driving licences and passports.
Trip(s) – A holiday or journey for leisure or business purposes that takes place during the period of
insurance which begins when you leave home and ends when you get back home, or to a hospital or
nursing home in the United Kingdom, whichever is earlier. For single trip cover, any other holiday or trip
which begins after you get back home is not covered.
18 Travel Insurance Policy Documents