Policy Wording - Insure me 4

6. We will not pay for any losses which are not directly covered by the terms and conditions of this
policy. Examples of losses we will not pay for include loss of earnings due to being unable to
return to work following injury or illness happening while on a trip and replacing locks if you lose
your keys.
7. Costs of telephone calls or faxes, meals, taxi fares (with the sole exception of the taxi costs
incurred for the initial journey to a hospital abroad due to an insured person’s illness or injury),
interpreters’ fees, inconvenience, distress, loss of earnings, loss of enjoyment of holiday, time-share
maintenance fees, holiday property bonds or points and any additional travel or accommodation
costs (unless pre-authorised by us or part of a valid claim under Section 2 (Medical Emergency &
Repatriation), Section 4 (Additional Accommodation & Travelling Costs), Section 6 (Cancellation,
Curtailment & Trip Interruption) or Section 12 (Money & Passport).
8. Any deliberately careless or deliberately negligent act or omission by you.
9. Any claim arising or resulting from your own illegal or criminal act.
10. Needless self-exposure to peril except in an endeavour to save human life.
11. Any claim arising directly or indirectly from your drug addiction or solvent abuse, alcohol intake, or
you being under the influence of drug(s).
12. Any claim arising or resulting directly or indirectly from your suicide, attempted suicide, or
intentional self-injury.
13. You engaging in manual work in conjunction with any profession, business or trade during the trip.
14. You engaging in any special sports and activities or winter sports unless the appropriate special
sports & activities or winter sports extension premium required has been paid.
15. You engaging in or practising for the following sports and activities: bobsleigh, boxing, canyoning,
caving / cave diving, flying as a pilot, heli-skiing, horse jumping, horse racing, hunting/shooting,
hunting-on-horseback, hurling, ice hockey, luge, martial arts (competition), microlighting, motor
racing (all types), mountaineering, parasailing, paraskiing, point-to-point, polo, potholing,
professional sports, quad biking, rock climbing, rock scrambling, shark feeding/cage diving,
skeleton, ski jumping, ski racing, ski stunting and ski free-styling, skiing off-piste outside
recognised and authorised areas, snowboarding off-piste outside recognised and authorised areas,
steeplechasing, team sports played in competitive contests, wrestling, yachting (racing) or any other
activities not mentioned under this policy unless you have referred these to us and we have written
to you accepting them for insurance. If you are undertaking a pursuit or activity which is not listed
in this policy or are in any doubt as to whether cover will apply, please call Customer Services on
0844 692 8418.
16. Participation in any organised competition involving any special sports and activities or
winter sports.
17. You fighting except in self-defence.
18. Loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting
from or in connection with any of the following regardless of any other cause or event contributing
concurrently or in any other sequence in the loss:
a) Active participation
b) War and civil unrest including any action taken in controlling, preventing, suppressing or in any
way relating to war and civil unrest, unless you are in an area subject to war and civil unrest at
the outbreak of hostilities, in which case you will be covered for a maximum period of 72 hours from
the outbreak of hostilities provided that you take the first reasonable opportunity to leave the area. If
you fail to take such an opportunity all cover under this policy will end.
c) Nuclear energy, including nuclear reactions, radiation and contamination.
d) Weapons of Mass Destruction
Travel Insurance Policy Documents
59