Policy Wording - Insure me 4

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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 cash – otherwise no payment will be made. What is not covered: • shortages or loss due to error, omission, depreciation in value, or confiscation or detention by Customs or other lawful officials and authorities; • anything that can be replaced by the issuer; • the policy excess; • anything mentioned in the General Exclusions. Section 13 Personal liability This section of cover applies to comprehensive policyholders and to basics policyholders who have bought the optional cover. What is covered: 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 up to a maximum, including costs, of £2,000,000 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. What is not covered: • injury to, or the death of, any member of your family or household, or any person in your service; • property belonging to, or held in trust by you or your family, household or servant; • 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 hotel and similar accomodation which you occupy and for which you assume contractual responsibility during your trip); • any liability which attaches by virtue of a contractual agreement, but which would not exist in law in the absence of such an agreement; • 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 • liability or material damage for which cover is provided under any other insurance; • accidental injury or loss not caused through your negligence; • any injury, illness, death, loss, expense or other liability attributable to the transmission of any communicable disease or virus however caused; • 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); • any claim arising in connection with a trip solely within your home country; 32 Travel Insurance Policy Documents
• the policy excess; • anything mentioned in the General Exclusions. Section 14 Personal accident This section of cover applies to comprehensive policyholders only.What is covered: What is covered: 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 to you or your legal personal representatives the following benefits: Cover Benefit per insured person Aged 18 – 65 Aged under 18 or over 65 Death £20,000 £1,000 Loss of limb or loss of sight £20,000 £1,000 Permanent total disablement £20,000 £1,000 What is not covered: • injury not caused solely by outward, violent and visible means; • your disablement caused by mental or psychological trauma not involving your bodily injury; • disease or any physical defect, infirmity or illness which existed prior to the commencement of the trip; • any payment per insured person in excess of £20,000; • any payment in excess of £1,000 arising from the death, loss of limb, loss of sight or permanent total disablement of insured persons under 18 years of age or over 65 years of age; • an insured person engaging in any special sports and activities or winter sports where this policy specifically states that personal accident cover is excluded (regardless of whether the special sports and activities or winter sports premium has been paid); • anything mentioned in the General Exclusions. Section 15 Legal costs and expenses This section is underwritten and administered by DAS Legal Expenses Insurance Company Limited. Additional words with special meanings applicable to this section Appointed representative: the preferred law firm, law firm or other suitably qualified person which we will appoint to act on your behalf. Costs and expenses: a) All reasonable and necessary costs charged by the appointed representative and agreed by us in accordance with our standard terms of appointment. b) The costs incurred by opponents in civil cases if you have been ordered to pay them, or you pay them with our agreement. DAS/we/our/us: DAS Legal Expenses Insurance Company Limited. Insured incident: a specific or sudden accident during a trip which causes your death or bodily injury. Preferred law firm: a law firm or barristers’ chambers which we choose to provide legal services. These legal specialists are chosen based on their proven expertise to deal with claims like yours and must comply Travel Insurance Policy Documents 33
Page 1 and 2: …part of the Staysure family Trav
Page 3 and 4: Contents Useful Telephone Numbers 2
Page 5 and 6: We will pay for any claim you make
Page 7 and 8: Cover Travel Insurance Policy Docum
Page 9 and 10: • Third party liability: if you u
Page 11 and 12: Dysmenorrhoea Dyspepsia Ear Infecti
Page 13 and 14: Hypertension (High Blood Pressure,
Page 15 and 16: • Injuries which are a direct res
Page 17 and 18: Zone 3 - All countries Worldwide, e
Page 19 and 20: sections of the policy the insuranc
Page 21 and 22: Unattended - When you cannot see an
Page 23 and 24: What is not covered: The cost of an
Page 25 and 26: e) normal wear and tear; f) any sel
Page 27 and 28: Travel by air will be limited to on
Page 29 and 30: Section 7 Travel delay This section
Page 31 and 32: If you arrive at the airport, port
Page 33: • liability in respect of a pair
Page 37 and 38: ) If the appointed preferred law fi
Page 39 and 40: What is not covered: • any claim
Page 41 and 42: insured person: • for all reasona
Page 43 and 44: which are not used due to you being
Page 45 and 46: Section C - Photographs and videos
Page 47 and 48: Horse jumping Scuba diving (unquali
Page 49 and 50: Excursions; Eurotunnel; Theme parks
Page 51 and 52: • The insured person’s travelli
Page 53 and 54: Claims You must tell us in writing
Page 55 and 56: Section 33 Optional travel disrupti
Page 57 and 58: Special conditions relating to clai
Page 59 and 60: 2. Any medical information supplied
Page 61 and 62: 6. We will not pay for any losses w
Page 63 and 64: • Make a claim in respect of any
Page 65 and 66: If you refer a complaint to the Fin
Page 67 and 68: Requesting assistance In an emergen

Policy Wording - Insure me 4

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