Policy Wording - Insure me 4

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Section B – Wedding attire & gifts What is covered: We will pay you up to a maximum of £1,500 per couple in the event of permanent loss, theft or damage to your wedding attire and up to a maximum of £1,000 per insured couple in the event of permanent loss theft or damage to your wedding gifts during the period of insurance, for the repair, replacement or reinstatement of the lost, stolen or damaged wedding attire or wedding gifts. Special conditions relating to claims (applies to Sections A and B) We have the option to either pay you for the loss or replace, reinstate or repair the items concerned. Payment will be on the basis of the current value of the items concerned, after a deduction for normal wear and tear and bearing in mind the age of the items. You must take all normal precautions to secure the safety of your wedding rings, wedding attire and wedding gifts, and must not leave them unsecured or outside your reach or unattended at any time in a place to which the public have access. If you are claiming for stolen or lost items you must produce a receipt for the purchase of the original items wherever possible, which will simplify our assessment of the claim and speed up payment. Within 24 hours of the incident you must report loss of your wedding rings, wedding attire and/or wedding gifts to the local police or to the carrier, as appropriate, (damage to your wedding rings, wedding attire and/or wedding gifts in transit must be reported to the carrier). If you are unable to obtain a report from the Police, then you must report the loss to your hotel or accommodation management, or to your Tour Operator representative. You must produce to us written documentation from one of these listed parties confirming that the loss or theft occurred during the trip – otherwise no claim will be paid. What is not covered (applies to Sections A and B): • any item loaned, hired or entrusted to you. • any loss of from an unattended motor vehicle if: - the items concerned have not been locked out of sight in a secure luggage area. - no forcible and violent means have been used by an unauthorised person to affect entry into the vehicle; and - no evidence of such entry is available. • theft of valuables from an unattended motor vehicle, luggage in transit, or from luggage left in the custody of the hotel. • wear and tear, damage caused by moth or vermin, denting or scratching, atmospheric or climatic conditions, deterioration, depreciation or any process of dyeing or cleaning. • confiscation or detention by Customs or other lawful officials and authorities. • bonds, securities, stamps or documents of any kind, musical instruments, glass, china, antiques, pictures, coupons, personal organisers, electronic audio or digital media, games consoles, laptops, tablets and other computer equipment and hand-held electronic devices including but not limited to MP3 players, MP4 players, smart phones, Blackberries, iPods, iPads, Kindles and the like and associated software, vehicles or accessories, boats and/or ancillary equipment, samples or merchandise or business goods or specialised equipment relating to a trade or profession. • damage to fragile or brittle articles unless by fire or resulting from an accident to a sea going vessel, aircraft or vehicle. • losses from a roof or boot luggage rack. • the policy excess; • anything mentioned in the General Exclusions. 42 Travel Insurance Policy Documents
Section C – Photographs and videos What is covered: We will pay you up to a maximum of £750 per insured couple for: • Reasonable additional costs incurred by the insured couple if the pre-booked professional photographer cannot appear at your wedding at the specified time and date due to illness, injury or transport problems, and • Reasonable additional costs incurred by the insured couple to re-print or re-take the professionally taken photographs or video(s) of the wedding if the original photographs and video(s) are permanently lost or damaged up to 14 days after the wedding. Special conditions relating to claims If the professional photographer cannot appear, you should obtain written confirmation of the reason he or she could not appear. In the event of loss or damage to photographs, negatives or videos of your wedding whilst in the custody of the photographer, you should obtain a written report confirming the nature and extent of the damage. Receipts for any additional costs incurred must be retained if a claim is to be made under this section of the policy. What is not covered: • additional costs arising from any change to the specified time and date of your wedding of which you are aware prior to the commencement of your holiday. • the cost of reprinting photographs or video(s) not owned or ordered by you; • the policy excess; • anything mentioned in the General Exclusions. Section 27 Optional special sports & activities cover This policy specifically excludes participating in certain sports and activities. 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: Athletics Orienteering Badminton Rambling Banana boating Roller blading (line skating/skate boarding) Baseball Rounders Basketball Running, sprint/long distance BMX cycling Safari (organised – no guns) Bowls (including competitions) Scuba diving* (conditions apply see below) Cricket Skate boarding Cross country running Snorkelling Curling Squash Cycling Surfing Fell running/walking Swimming Glacier walking Tennis Golf Trekking (under 2,000 metres altitude) Heptathlon Triathlon Hiking (under 2,000 metres altitude) Volleyball Jogging Walking Netball Water polo Orienteering Windsurfing Ringos Yachting (crewing) – inside territorial waters Travel Insurance Policy Documents 43
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 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: which are not used due to you being
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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