Policy Wording - Insure me 4
Policy Wording - Insure me 4
Policy Wording - Insure me 4
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What is not covered:<br />
a) any claim arising in connection with a trip solely within your ho<strong>me</strong> country;<br />
b any claims for costs related to pregnancy or childbirth unless the claim is certified by a <strong>me</strong>dical<br />
practitioner as necessary due to complications of pregnancy and childbirth;<br />
c) anything <strong>me</strong>ntioned in the General Exclusions.<br />
Section 6 Cancellation, curtail<strong>me</strong>nt & trip interruption<br />
This section of cover applies to comprehensive policyholders and to basics policyholders who have<br />
bought the optional cover.<br />
Cancellation & curtail<strong>me</strong>nt<br />
What is covered:<br />
We will reimburse up to a maximum of £5,000 per insured person in total under this policy for financial loss<br />
you suffer, being non-refundable deposits and amounts you have paid (or have contracted to pay), for travel<br />
and accommodation you do not use because of your inability to com<strong>me</strong>nce travel or complete the trip due<br />
to an insured cause listed below.<br />
Cancellation cover applies if you have booked a trip to take place within the period of insurance, but you<br />
are forced to cancel your travel plans because of one of the following changes in circumstances, which is<br />
beyond your control, and of which you were unaware at the ti<strong>me</strong> you booked the trip: (Please see also the<br />
travel delay cover – Section 7).<br />
Curtail<strong>me</strong>nt cover applies if you are forced to cut short a trip you have com<strong>me</strong>nced, and return to your<br />
ho<strong>me</strong> country, because of one of the following changes in circumstances which is beyond your control,<br />
and of which you were unaware at the ti<strong>me</strong> you booked the trip.<br />
• Unforeseen illness, injury or death of you, a close relative, travelling companion or any person<br />
with whom you have arranged to travel or stay during the trip.<br />
• You abandoning your trip following the cancellation of or a delay of more than 12 hours in the<br />
departure of your outward international flight, sea-crossing, coach or train journey, forming part of<br />
the booked trip’s itinerary, as a result of strike or industrial action (of which you were unaware<br />
at the ti<strong>me</strong> you booked the trip), adverse weather conditions, or the <strong>me</strong>chanical breakdown of, or<br />
accident of, the aircraft, sea vessel, coach or train.<br />
• You or any person with whom you plan to travel being called up for Jury Service or being<br />
summoned as a witness in a Court of Law (other than in a professional or advisory capacity).<br />
• If you are made redundant and you qualify for a redundancy pay<strong>me</strong>nt under current United<br />
Kingdom legislation.<br />
• Accidental damage, burglary, flooding or fire affecting your ho<strong>me</strong>, occurring during the trip or<br />
within 48 hours before you depart, when the loss relating to your ho<strong>me</strong> is in excess of £1,500 and<br />
your presence is required by the Police in connection with such events.<br />
• The Foreign and Commonwealth Office issue a directive advising against travel to your trip<br />
destination because of an earthquake, fire, flood, or hurricane.<br />
Trip interruption<br />
What is covered:<br />
On condition that you contact us first, and that we make all the travel arrange<strong>me</strong>nts, we will pay necessary<br />
additional travelling costs incurred in returning you ho<strong>me</strong> in the event you have a valid curtail<strong>me</strong>nt claim.<br />
If the situation permits, and the period of your original booked trip has not expired, we will also pay<br />
necessary additional travel costs in transporting you back to the location abroad.<br />
24 Travel Insurance <strong>Policy</strong> Docu<strong>me</strong>nts