Policy Wording - Insure me 4

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10. We may require you to obtain, at your expense, an opinion on the merits of the claim or proceedings or on a legal principle from a legal expert. The expert must be ap-proved in advance by us and the cost agreed in writing between you and us. Subject to this, we will pay the cost of getting the opinion if the expert’s opinion indicates that it is more likely than not that you will recover damages (or obtain any other legal remedy that we have agreed to) or make a successful defence. 11. you must: a) keep to the terms and conditions of this section b) take reasonable steps to avoid and prevent claims c) take reasonable steps to avoid incurring unnecessary costs d) send everything we ask for, in writing e) report to us full and factual details of any claim as soon as possible f) give us any information we need. 12. We will, at our discretion, void this section (make it invalid) from its start date or from the date of claim, or alleged claim, or we will not pay the claim if: a) a claim you have made to obtain benefit under this section is fraudulent or intentionally exaggerated; or b) a false declaration or statement is made in support of a claim. 13. If any claim covered under this section is also covered by another policy, or would have been covered if this section did not exist, we will only pay our share of the claim even if the other insurer refuses the claim. 14. In the event of your death as a result of an insured incident the benefits of this cover will attach to your personal representative (next of kin). 15. All Acts of Parliament mentioned in this section include equivalent laws in Scotland, Northern Ireland, the Isle of Man and the Channel Islands as appropriate. Eurolaw Legal Advice We will give you confidential legal advice over the phone on any personal legal problem under the laws of the member countries of the European Union, Isle of Man, the Channel Islands, Switzerland and Norway. You can contact our UK-based call centres 24 hours a day, seven days a week. However, we may need to call you back depending on the enquiry. Advice about the law in England and Wales is available 24 hours a day, seven days a week. Legal advice for the other countries is available 9am – 5pm, Monday to Friday, excluding public and bank holidays. If you call outside these times, a message will be taken and we will call youback within operating hours. To help us check and improve service standards, we record all inbound and outbound calls. To contact the above service, phone us on 0044 117 934 0548. When phoning, please quote your policy number. We will not accept responsibility if the Helpline Service fails for reasons which we cannot control. Section 16 Hi-jack This section of cover applies to comprehensive policyholders only. What is covered: We will pay you the sum of £50 per complete 24 hours up to a maximum of £5,000 per each insured person if the aircraft or sea vessel in which you are travelling is hijacked for more than 24 hours on the original, pre-booked, outward journey or return journey. 36 Travel Insurance Policy Documents
What is not covered: • any claim resulting from you acting in a way which could cause a claim under this section; • you must give us a written statement from an appropriate authority confirming the hijack and how long it lasted; • anything mentioned in the General Exclusions. Section 17 Optional winter sports cover This policy specifically excludes participating in certain winter sports and activities. If you are under 71 years of age and have bought a Comprehensive policy, your policy may be extended if you wish to cover your participation in some winter sports. Cover is only provided if you have paid the additional winter sports premium and the cover is shown on your certificate. Your policy can only be extended before departure from your home country. When are you covered for winter sports? If you are under 71 years of age and have purchased a single trip policy, you are covered when taking part in winter sports if you have paid the appropriate additional premium for the period of insurance. If you are under 71 years of age and have purchased an annual multi-trip policy, you are covered when taking part in winter sports for one trip of up to 17 consecutive days during the period of insurance. This can be extended for up to 31 days in total when extra premium has been paid and this is shown on your certificate. If you are over 70 years of age no cover will be provided for winter sports. If you have paid for winter sports cover, you should call Customer Services on 0844 692 8418 immediately for a premium refund. This policy will cover you when you are engaging in the following sports and activities on a non-competitive and non-professional basis during your trip when you have paid the additional winter sports premium: • Ice-skating (outdoor); • Snowboarding (off-piste but on recognised and authorised areas only); • Skiing (off-piste but on recognised and authorised areas only); • Snowboarding (on-piste); • Skiing (on-piste/glacier); • Tobogganing. Your policy can be extended to cover the following sports and activities for an additional premium, but no cover will apply in respect of any Personal Accident or Personal Lability claims: • Ice sailing/ice windsurfing; • Snow mobiling; • Skidoo. You will not be covered for any claims arising directly or indirectly when engaging in the following sports and activities: • Bobsleigh; • Ski jumping; • Heli-skiing; • Ski racing; • Ice hockey; • Ski stunting or free-style skiing; • Luge; • Skiing off-piste outside recognised and authorised areas; • Para-skiing; • Snowboarding off-piste outside recognised and authorised areas; • Skeleton. Travel Insurance Policy Documents 37
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 and 34: • liability in respect of a pair
Page 35 and 36: • the policy excess; • anything
Page 37: ) If the appointed preferred law fi
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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