Travel Insurance | Barclays

Travel Insurance

Insurance

Policy Document

Personal Travel

Insurance

Customer Helplines

You will need to have your policy number available whenever you contact any helpline.

You will ﬁnd this on your Policy Schedule.

Customer Helpline for claims

0330 102 6416

Customer Helpline for amendments or general information

0330 102 6417

Medical Assistance Helpline

020 8763 3196

Or from abroad + 44 208 763 3196

Legal Advice

01455 254 170

Legal Expenses

020 8652 1313

European Health Insurance Card application line

0300 330 1350

Important telephone numbers

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Details of each section of cover can be found

from page 26 onwards.

It is important that you carry this document

together with your Policy Schedule each time

you travel. You will need to provide these

documents as evidence of insurance if you

need the services of a hospital or our assistance

provider. You will also need to quote your

policy number when you contact the Medical

Assistance Helpline.

If you have any queries about your cover, you

can call the Customer Helpline on 0330 102

6417 and tell them your policy number.

We want you to get the most from your policy

and to do this you should:

• Read your Policy Booklet and make sure you

are covered for the sort of losses/incidents

you think might happen

• Make sure you have declared any

pre-existing medical conditions

• Make sure that you understand the General

Conditions and General Exclusions which

apply to your policy because if you do not

meet these conditions it may affect any

claim you make.

If your circumstances change, or you need to

change your cover, just let us know on 0330

102 6417.

Need medical help abroad? Call

us ﬁrst on +44 (0) 208 763 3196

Medical Assistance – +44 (0) 208 763 3196

from abroad, or 0208 763 3196 from the UK

For emergencies: if you are taken by

ambulance to hospital following an emergency

call, you or a travelling companion should call

us as soon as possible once you have been

admitted to hospital.

For non-emergencies: if you need a GP, or

need to go to A&E or a clinic, Call Us First,

before you try to locate help, so we can guide

you to the safest and most appropriate source

of treatment.

If you are unfortunate enough to need medical

help whilst abroad please Call Us First on

(+44) 208 763 3196.

Our highly experienced multi-lingual team are

available to talk 24 hours a day, to advise you

or your travelling companion of what steps to

take. Their aim will always be to establish the

best treatment available to you in the country

you are visiting.

Your policy booklet includes everything you need to make full use of the

services and beneﬁts of Barclays Travel Insurance. Please read this Policy

Booklet carefully together with the Policy Schedule to make sure that you

have the cover that you need. You may not be covered by all sections and

your Policy Schedule will detail the cover and limits applicable.

Welcome to Barclays Travel Insurance

TRAVEL INSURANCE POLICY DOCUMENT

Our ﬁrst steps will always be to…

• Conﬁrm that you’re in a place of safety;

• Establish the best local treatment available

to you; and

• Consider your health and best interests;

• Make sure that the necessary medical fees

are guaranteed.

Important note: it may affect your claim if you,

your travelling companion or a doctor/nurse

does not contact us on the number above. We

do not cover any costs over £500 where prior

agreement regarding treatment has not been

obtained from the Medical Assistance provider.

Our highly experienced multi-lingual team

of in-house doctors, nurses and experienced

case managers will advise you, your travelling

companion, and/or your treating doctor, of

what steps to take.

We understand how important it is to have

someone who…

• You can contact at any time of the day or

night

• You can trust has the medical expertise to

guide you to the right course of treatment

• Has an in-depth understanding of how and

when to transfer sick and injured patients

back home

• Will speak to you in a language you can

understand.

Our team is focused on trying to take some

of the worry out of what can be an incredibly

stressful situation so we’ll keep your key

contacts updated on your progress for you

and if need be, we’ll ﬂy a doctor or nurse out,

with specialist repatriation equipment, to

accompany you home.

We actively monitor the capabilities of medical

facilities throughout the world and use

this knowledge to determine whether you

need to be transferred to a different facility.

Once we are satisﬁed that you are getting

the appropriate treatment, we will agree a

treatment plan with your treating doctor and

you. If you cannot be discharged in time to

continue your trip as planned, we will make

arrangements to bring you home at the

appropriate time.

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1 Important telephone numbers

2 Welcome to Barclays Travel Insurance

5 Helpful advice

7 Deﬁnitions

11 About our insurance services

12 Important information about your policy

14 General conditions and medical declaration

17 Leisure and sports activities

19 Period of insurance

20 How to make a claim

24 Summary of cover - limits and excesses

26 Section 1: Medical Emergency and Repatriation Expenses

29 Section 2: Cancellation/Cutting Short Your Trip

32 Section 3: Travel Delay/Missed Departure

34 Section 4: Loss of Important Documents

35 Section 5: Mugging Beneﬁt

36 Section 6: Hijack

37 Section 7: Personal Baggage

39 Section 8: Delayed Baggage

40 Section 9: Personal Money

41 Section 10: Personal Accident

42 Section 11: Personal Liability

43 Section 12: Legal Advice and Expenses

46 Section 13: Independent Traveller Cover

50 Section 14: Winter Sports

53 Section 15: Golf Cover

55 Section 16: Wedding Cover

56 Section 17: Business Cover

59 General exclusions

61 Complaints procedure

62 Data Protection Act and using your information

Finding your way through

your policy booklet

TRAVEL INSURANCE POLICY DOCUMENT

The ‘Know Before You Go’

travellers’ checklist

We are working

with the Foreign

& Commonwealth

Ofﬁce (FCO) to do all

that we can to help British travellers stay safe

on holidays overseas. Follow these 7 simple

travel tips before you go and you can go away

knowing you’re well prepared

1. Check the Foreign & Commonwealth

Ofﬁce (FCO) Travel Advice website for

essential travel advice and tips plus up to

date information about different countries.

2. Get travel insurance and check cover

where appropriate.

3. Check what vaccinations you need at

least 6 weeks before you go and consider

whether you need to take extra health

precautions.

4. Get a good guidebook and get to know

your destination. Find out about local laws

and customs.

5. Ensure you have a valid passport that is in

good condition and the necessary visas.

6. Make copies of your passport (including

any visa pages), insurance policy plus

24-hour emergency number and ticket

details. Leave these copies, your itinerary

and contact details with family and friends.

7. Take enough money for your trip and

some back-up funds e.g. travellers

cheques, sterling or US dollars.

For more travel advice, visit the

Know Before You Go website at www.gov.uk/

knowbeforeyougo

Reciprocal healthcare agreement

If you are travelling to countries in the

European Union (except for the UK), Iceland,

Lichtenstein, Norway or Switzerland, we

strongly recommend that you take a valid

European Health Insurance Card (EHIC).

You can apply for an EHIC card free of charge

by calling 0300 330 1350 or online at www.

ehic.org.uk

This will entitle you to free healthcare

arrangements under a reciprocal agreement

between these countries. You should take

reasonable steps to use these arrangements

where possible. Use of your EHIC will result in

waiver of the policy excess under section 1:

Medical Emergency and Repatriation Expenses.

Please note that an EHIC is not a substitute for

travel insurance.

If you require medical treatment in Australia

or New Zealand you must enrol with a local

Medicare ofﬁce. You do not need to enrol on

arrival but you should do this after the ﬁrst

occasion you receive treatment. In-patient and

out-patient treatment at a public hospital is

then available free of charge.

The following tips will help make sure that should anything happen, you

are as well prepared as possible. These tips are for guidance and advice

only. They do not form part of your policy.

Helpful advice

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Details of how to enrol and the free treatment

available can be found online at www.dh.gov.

uk/travellers.

Air passengers - Know Your

Rights

Did you know the European Union (EU)

has strengthened your rights to ensure air

passengers are treated fairly? You may be

entitled to compensation. Make sure you know

what to expect as a minimum from your airline

in the event of one of the following:

1. Denied Boarding – Have you been denied

boarding because the airline did not have

enough seats on the ﬂight?

2. Cancelled Flight – Has your ﬂight been

cancelled?

3. Long Delays – Has your ﬂight been delayed

for two hours or more?

4. Baggage – Has your checked-in baggage

been damaged, delayed or lost?

5. Injury and Death by Accident(s) – Have you

been injured during your ﬂight?

6. Package Holidays – Did you get what you

booked? To make sure you are not left out of

pocket visit http://ec.europa.eu/transport/

air/ rules/rights/index_en.htm for full details

of your entitlements.

What to do ﬁrst

If you experience any of the problems listed

you should immediately ask the representative

of the airline operating your ﬂight to deal with

your problem.

What to do next

If the operating airline does not fulﬁl their

obligations contact the Europe Direct free

phone on 00800 67891011 or e-mail mail@

europe-direct.cec.eu.int for details of how to

progress your claim.

TRAVEL INSURANCE POLICY DOCUMENT

Abandonment

To call off your trip.

Accident(s)/Accidental

A sudden, unexpected, speciﬁc, violent,

external, visible event which occurs at a single

identiﬁable time and place.

Associated Condition

A medical condition that has a higher likelihood

of occurring if you have a particular existing

medical condition than if you did not have that

existing medical condition.

Any associated conditions will be shown on

your policy schedule if you decline to cover

your medical condition(s) or they are excluded

from cover. If you do not disclose your medical

condition (s) you will not be covered for any

conditions associated with your existing

medical condition (s), which would have been

advised to you had you declared these as

requested.

Business Money

Bank notes, currency notes and coins in current

use and travellers and other cheques, which are

the property of your employer.

Business Samples

A small amount of fabric or other commodity,

owned by you or for which you are

responsible, which is to be given or shown to

a prospective client.

Cigna

Cigna Insurance Services (Europe) Limited.

Colleague

An associate in the same employment as you in

the UK, whose absence from work necessitates

your stay in or return to the UK.

Costs and Expenses

Under Section 12 – Legal Advice and Expenses

a) Legal costs – All reasonable and necessary

costs incurred by the representative.

b) Opponents’ costs – Costs incurred by

opponents in civil cases.

Europe

Albania, Algeria, Andorra, Austria, Azores,

Balearic Islands, Belarus, Belgium, Bosnia

and Herzegovina, Bulgaria, Canary Islands,

Channel Islands, Croatia, Cyprus, Czech

Republic, Denmark, Egypt, Estonia, Faroe

Islands, Finland, France, Germany, Gibraltar,

Greece, Hungary, Iceland, Isle of Man,

Israel, Italy, Kosovo, Latvia, Lebanon, Libya,

Liechtenstein, Lithuania, Luxembourg,

Macedonia, Madeira, Malta, Mediterranean

Islands not otherwise speciﬁed, Moldova,

Monaco, Montenegro, Morocco,

Netherlands, Norway, Poland, Portugal,

Republic of Ireland, Romania, Russia

(European), San Marino, Serbia, Slovakia,

Slovenia, Spain, Sweden, Switzerland, Syria,

Tunisia, Turkey, Ukraine, United Kingdom

and the Vatican City.

Excess

The amount you pay when you make a

claim. This applies to each incident for each

insured person.

Family

You, your spouse, your civil partner (as deﬁned

in Section 1 of the Civil Partnership Act 2004)

or the person (whether or not of the same sex)

Deﬁnitions

The words or meanings have the following meanings wherever they

appear in this policy booklet:

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with whom you are permanently cohabiting in

a marriage like relationship together with your

children, step-children, adopted children, foster

children and grandchildren who are under the

age of 16 or under the age of 23 and in full

time education at the start of the insurance

period.

Geographical Limit

The geographical limits speciﬁed on the Policy

Schedule.

Golf Equipment

Golf clubs, golf balls, golf bag, golf trolley,

golf shoes and essential clothes which you

own or hire.

Hijack

The unlawful seizure or wrongful exercise

of control of the aircraft or ship (or the crew

thereof) in which you are travelling as a fare

paying passenger.

Home

Your usual permanent place of residence in

the UK.

Independent Travel

A trip where you have booked your

accommodation and travel separately and

not as part of a package.

Insurance Period

The period during which you have cover

under your policy. This is shown on your

Policy Schedule.

Insured Couple

Under the Wedding Cover section this means

the two individuals who are insured under this

policy and are due to be married during the

period of the trip.

Insured Person/You/Your

Any person named on your Policy Schedule.

Insurer

Cigna Europe Insurance Company S.A.-N.V.

Medical Practitioner

A registered practising member of the medical

profession who is not related to you or any

person with whom you are travelling.

Package

The pre-arranged combination of at least two

of the following components when sold or

offered for sale at an inclusive price and when

the service covers a period of more than 24

hours or includes overnight accommodation:

a) transport

b) accommodation

c) other tourist services not ancillary to

transport or accommodation (such as car

hire or airport parking) and accounting for a

signiﬁcant proportion of the package.

As more fully described under The Package

Travel, Package Holidays and Package Tour

Regulations 1992.

Pair or Set

Two or more items of baggage (Including

valuables) which are complementary or used or

worn together.

Permanent Total Disability

A condition which is of a permanent and

irreversible nature which is shown by medical

evidence to be likely to continue for the

remainder of your life and as certiﬁed by

a registered medical practitioner, to the

reasonable satisfaction of our Chief Medical

Ofﬁcer, and which prevents you from

engaging in any work or occupation for

remuneration or proﬁt.

Personal Baggage

Each of your suitcases (or containers of a

similar nature) and their contents, articles

you are wearing or carrying which are owned

by any of your family, or for which they are

legally responsible, including keys (excluding

keys to a hire vehicle).

TRAVEL INSURANCE POLICY DOCUMENT

Personal Money

Cash, cheques, banker’s drafts, electronic cash,

pre-payment cards, postal and money orders,

current postage stamps, phone cards, coupons

or vouchers which have a monetary value.

Pre-booked accommodation

Accommodation where you have arranged to

stay prior to the departure of your trip.

Pre-Existing Medical Condition

Anything which at the start of the insurance

period you would answer yes to in the medical

conditions declarations on page 14.

Public Transport

Train, tram, bus, coach, ferry service or airline

ﬂight operating to a published timetable.

Redundant/Redundancy

Being made unemployed (provided

employment has been on a continuous

basis with the same employer for at least 24

months; and you qualify for payment under

current UK redundancy payment legislation;

and at the time of booking the trip or

purchasing this policy, whichever is the later,

there was no reason to believe anyone would

be made redundant) of you or any person

who are travelling or have arranged to travel

with.

Relative

Mother, father, sister, brother, wife, husband,

civil partner, daughter, son, grandparent,

grandchild, parent-in-law, son-in-law,

daughter-in-law, sister-in-law, brother-in-

law, step parent, step child, step sister, step

brother, foster child, legal guardian, common

law partner (deﬁned as living together at

the same address and including same sex

relationships) or ﬁancé/ﬁancée.

Representative

The lawyer or other suitably qualiﬁed person

who has been appointed by us to act for you

in accordance with the terms of Section 12 –

Legal Advice and Expenses.

Ski Pack

Ski school fees, lift passes and hired ski

equipment.

Terrorist Action

The actual or threatened use of force or

violence against persons or property, or

commission of an act dangerous to human

life or property, or commission of an act

that interferes with or disrupts an electronic

or communications system, undertaken

by any person or group, whether or not

acting on behalf of or in connection with any

organisation, government, power, authority

or military force, when any of the following

applies:

a) The apparent intent or effect is to intimidate

or coerce a government or business, or to

disrupt any segment of the economy;

b) The apparent intent or effect is to cause

alarm, fright, fear of danger or apprehension

of public safety in one or more distinct

segments of the general public, or to

intimidate or coerce one or more such

segments;

c) The reasonably apparent intent or effect is

to further political, ideological, religious or

cultural objectives, or to express support for

(or opposition to) a philosophy, ideology,

religion or culture.

Trip(s)

The period of time (as deﬁned under trip

duration) spent away from your home on pre-

booked business or leisure travel. A trip starts

upon leaving your home.

Trip Duration

• For Annual Multi-Trip cover - the maximum

trip duration of up to 31 days unless you

have paid an additional premium to extend

this as shown on your schedule (Travel

and Travel Plus cover) or 21 days (Travel

Essentials cover). Trips within the UK

are covered when you have pre-booked

accommodation for a minimum of 2 nights.

The option to extend your trip duration is

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only available to customers aged 65 and

under who have selected Travel or Travel

Plus cover.

• For Single Trip cover - the trip duration

shown on your Policy Schedule.

Each trip under Anual Multi-Trip cover is

considered to be a separate insurance, with the

terms, deﬁnitions, exclusions and conditions

contained in this policy

England, Wales, Scotland and Northern Ireland.

Valuables

Cameras, photographic equipment,

camcorders, DVD players, video, telephone

telecommunications equipment, radios,

cassette players, CD players, audio

equipment, computers, computer games

machine, MP3 players, electronic personal

organisers, binoculars, telescopes, mobile

telephones, antiques, jewellery, watches, furs,

precious or semi-precious stones, articles

made of or containing gold, silver or other

precious metals, ﬁlms, tapes, cassettes,

cartridges, discs or compact discs, tablets,

smart phones and sat navs.

Wedding Attire

Dress, suit, shirt, shoes, hat, tie bought

speciﬁcally for the occasion, and makeup, hair

styling and ﬂowers paid for or bought for the

occasion.

We/Us/Our

Cigna who administer the insurance on behalf

of the insurer.

Winter Sports Equipment

Skis (including bindings), snow boards

(including bindings), boots, ski poles, ice skates,

and essential protective clothing including

helmets which you own or hire.

TRAVEL INSURANCE POLICY DOCUMENT

The Insurer:

Your policy is underwritten by Cigna Europe

Insurance Company S.A.-N.V., UK Branch,

Chancery House, St Nicholas Way, Sutton,

Surrey SM1 1JB. Registered in Belgium with

limited liability (Brussels trade register no.

0474624562), Avenue de Cortenbergh 52,

1000 Brussels, Belgium.

Statutory status

Cigna Insurance Services (Europe) Limited

is authorised and regulated by the Financial

Conduct Authority Financial Services register

no 310671 Cigna Europe Insurance Company

S.A.-N.V. is supervised in Belgium by the

National Bank of Belgium and the Financial

Services and Markets Authority, and subject

to limited regulation by the Financial Conduct

Authority.

Financial Services Register

You can check the above details on the

Financial Services Register by visiting the FCA

website www.fca.org.uk/register/ or by calling

them on 0800 111 6768 or 0300 500 8082.

What will happen if you complain?

We hope that you are happy with the service

we provide. However, if you are unhappy with

it we would like to hear from you, please see

the Complaints Procedure which sets out

details of who you should contact.

If we cannot resolve your complaint you may

be entitled to refer your complaint to the

Financial Ombudsman Service (FOS). Further

information about FOS can be obtained from

their website www.ﬁnancial-ombudsman.org.

uk or write to Financial Ombudsman Service,

Exchange Tower, Harbour Exchange Square,

London, E14 9SR or telephone 0800 0234

567/0300 123 9123 or email complaint.info@

ﬁnancial-ombudsman.org.uk.

Following the complaints procedure does not

affect your right to take legal action. Details of

our complaints procedures can be obtained by

calling 0330 100 7701.

Financial Services Compensation

Scheme:

Cigna Europe Insurance Company S.A.-N.V. is

covered by the Financial Services Compensation

Scheme. This provides compensation in case

any of its members go out of business or into

liquidation and are unable to meet any valid

claims under its policies. Further information

can be obtained from the Financial Services

Compensation Scheme (www.fscs.org.uk) or

by contacting the FSCS at 10th Floor, Beaufort

House, 15 St Botolph Street, London EC3A 7QU

or by calling 0800 678 1100 or 020 7741 4100.

About our insurance services

Your travel insurance policy is arranged by Barclays Insurance Services

Company Limited through Cigna Insurance Services (Europe) Limited and

underwritten by Cigna Europe Insurance Company S.A.-N.V.

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Remember, no policy covers everything. We do

not cover certain things such as:

• Pre-existing medical conditions (unless

terms are agreed in writing by us)

• Children and infants for independent travel

under a family or single parent family policy

• Losses not insured under this policy e.g.

the cost of obtaining a Police report, loss of

earnings due to being unable to return to

work following injury or illness happening

while on a trip or the cost of replacing locks

in the event that keys are lost while on a trip.

The things which are not covered by your

policy are stated:

• In the General Exclusions on pages 58 and

• Under ‘What is not covered’ in each section

of cover.

Please remember that only those sections you

have chosen apply to you. Please refer to your

Policy Schedule and read it in conjunction with

your Policy Booklet.

• Your policy is only available to persons

resident in the UK

• Your policy is only valid on trips commencing

from and returning to the UK (we do not

cover any trip where you have already

left the UK at the time of purchasing this

insurance, except where you renew an

existing annual multi trip policy which falls

due for renewal during the trip)

• Your policy automatically extends to provide

cover if you are unable to return home by

the end of the insurance period due to the

death, injury or illness of you or a public

transport delay

• There are age limits which apply depending

on the type of policy you take and the

destination you travel to

• Single parent family cover applies to you,

plus all your unmarried dependent children

• Infants 2 years of age and under at the time

of travel are covered free of charge

• The maximum age for Winter Sports cover is

65 years.

The insurance contract

Your policy is a legal contract between you

and us. The two parts – your Policy Booklet

and your Policy Schedule – make one legal

document and you must read them together.

In return for having accepted your premium we

will provide insurance in accordance with the

operative sections of your policy as referred to

on your Policy Schedule.

Our part of the contract:

We provide the cover set out in your Policy

Booklet. Your Policy Schedule shows which

sections of your Policy Booklet you chose,

the limits which apply and the total premium.

This cover will only apply for people named

on your Policy Schedule during the insurance

period shown on your Policy Schedule and

within the geographical limits shown on your

Policy Schedule.

Your part of the contract:

You must pay the premium for each insurance

period. You can pay the premium with a debit

or credit card or alternatively on an annual

direct debit. If you choose to pay by annual

direct debit and you fail to pay when due, we

will treat this as you cancelling the policy.

Choice of Law

It is possible to choose the law applicable to a

contract of insurance in the United Kingdom.

We have chosen Scottish law to apply if you

live in Scotland and English law if you live

elsewhere in the United Kingdom.

Important information about your policy

TRAVEL INSURANCE POLICY DOCUMENT

Use of Language

All communication between you and us will be

in English.

Your Cancellation Rights

Please tell us immediately if your policy

does not meet your requirements. If you

cancel within 14 days of the receipt of your

documentation and you have not made a trip

or a claim we will give you a full refund.

Following this 14 day period, you continue to

have the right to cancel your policy at any time

by contacting us, but no refund of premium will

be available.

Please note once your policy has been

cancelled your cover will end and you will not

be able to make a claim.

Future underwriter changes

Your Barclays Travel Insurance is arranged by

Barclays Insurance Services Company Limited

through Cigna Insurance Services (Europe)

Limited and underwritten by Cigna Europe

Insurance Company S.A.-N.V. If you have

selected any additional cover options, these

may be provided by different insurers. At some

time in the future Barclays Insurance Services

Company Limited may enter into an agreement

with a new provider for all or part of your

policy, in which case this new provider will offer

you travel insurance to replace your current

policy. If this is the case, Barclays Insurance

Services Company Limited will write to you to

conﬁrm the details of the new provider and

give you details of any changes to the Terms

and Conditions of your policy. You hereby

authorise Barclays Insurance Services Company

Limited to transfer any personal data to a

new provider, including health or other data

deﬁned as ‘sensitive personal data’ under the

Data Protection Act, and consent to the new

provider being able to offer cover to you. If at

any time you wish to withdraw your agreement

to this, please let us know by calling 0330 102

6417.

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Fraud:

The contract between you and us is based

on mutual trust and we believe that our

policyholders are honest.

However, if anyone named on your Policy

Schedule or anyone acting for you:

• Provides false information or documentation

or withholds important information to obtain

cover under your policy for which you do not

qualify, or cover at a reduced premium, then:

• Your policy may be void

• We may be entitled to recover from you the

amount of any claim already paid under your

policy

• We will not return any premium paid

• We will inform the Police and criminal

proceedings may follow.

In the event that anyone named on your Policy

Schedule or anyone acting for you:

1. Makes a claim under your policy knowing

this to be false or fraudulently exaggerated

in any respect or to any degree; or

2. Makes a statement in support of a claim

knowing the statement to be false in any

respect; or

3. Submits a document in support of a claim

knowing the document to be forged,

amended or false in any respect; or

4. Makes a claim in respect of any loss or

damage caused by your/their wilful act,

knowledge or connivance; or

5. Acts in any other manner in order to gain a

ﬁnancial advantage to which you would not

otherwise be entitled;

then we:

• Will not pay any part of the claim

• Will at our option cancel your policy

• Will not return any premium paid

• Will inform the Police and criminal

proceedings may follow.

You must declare all medical

conditions:

To make sure your policy fully covers you for

your trip, it is important you tell us about any

medical condition affecting the health of the

people travelling. We will assess the condition

and conﬁrm whether your policy can be

extended to cover claims for that particular

condition.

Please call the Customer Helpline on 0330 102

6417 if you answer ‘Yes’ to any one of the

following questions;

1. Have you or anyone to be covered under

this insurance, during the last year;

a. stayed in hospital; had surgery; or seen a

specialist or consultant?

b. been prescribed medication for the

treatment of blood pressure and or

Diabetes?

c. been diagnosed with, or prescribed

medication for the treatment of epilepsy

or ﬁts?

d. been diagnosed with, or prescribed

medication for the treatment of a kidney

or bladder disorder?

e. been prescribed medication for the

treatment of a breathing condition like

Asthma or Pneumonia?

2. Have you or anyone to be covered under

this insurance, EVER;

General conditions and medical declaration

TRAVEL INSURANCE POLICY DOCUMENT

a. had a heart attack or a heart related

condition, including Angina?

b. been diagnosed with, or treated for

any malignant condition or any type of

cancer?

c. had any cerebrovascular problems,

including stroke, transient ischaemic

attack or brain haemorrhage?

3. Are you or anyone to be covered under

this insurance, suffering symptoms;

under investigation for any undiagnosed

condition; awaiting tests, test results or

changes to treatment?

If we extend the cover under your policy to

include any pre-existing medical conditions,

this will be shown on your policy schedule.

This will conﬁrm the new terms under which

cover is provided and must be produced

should you make a claim, so please keep it in

a safe place.

We reserve the right not to extend the cover

under your policy.

For a relative, colleague, travelling companion

or a friend or relative with whom you had

arranged to stay who is not insured but

whose health may affect the trip

If, at the time of taking out your policy or

booking a trip, whichever was the later, your

relative, colleague, travelling companion or a

friend or relative with whom you had arranged

to stay had a medical condition for which he

or she:

• was receiving treatment at hospital

(other than where they go to hospital

for check-ups for a stable condition, at

regular intervals which have been arranged

beforehand)

• was waiting for a hospital consultation,

investigations or treatment (other than

where they go to hospital for check-ups for

a stable condition, at regular intervals which

have been arranged beforehand)

• had been given a terminal prognosis, or

been told that their condition is likely to get

worse in the next 12 months.

We will not pay for any claim you (or any

Insured Person) make, that has anything to

do with the medical condition of that relative,

colleague or travel companion.

Changes in health:

After you have taken out this policy, you must

tell us if your health changes. We will then

decide if we can provide you with cover on your

existing terms. We may ask you to pay an extra

premium, add special conditions to the policy

or exclude cover for your medical conditions.

Single Trip Cover - If we cannot provide cover

for the change in your health after you have

taken out this policy and before you travel, or

if you do not want to pay the extra premium,

you can call us and make a cancellation claim

or you can cancel your policy and we will send

you a pro-rata refund.

Multi Trip Cover - If we cannot provide cover

for the change in your health after you have

taken out this policy, or if you do not want to

pay the extra premium, you can call us and

make a cancellation claim if you have booked

and paid for a trip(s) that you have not yet

made. In addition, you can cancel your policy

and we will provide you with a pro rata refund.

If you do not contact us this may affect any

future claim under the Medical Emergency and

Repatriation Expenses section and may result

in us declining your claim.

15/16

You must prevent loss, theft or damage:

All persons named on your Policy Schedule

must take all reasonable steps to prevent loss,

theft or damage to everything covered under

your policy.

Failure to take reasonable steps to prevent loss,

theft or damage will result in a deduction from

any claim payment, or may result in your claim

being declined in full.

Changes in circumstances:

You must tell us as soon as reasonably

possible if:

• Your address has changed

• You or any person named on your Policy

Schedule are no longer a resident in the UK

• You require any additional cover to be added

to your policy

• Your trip destination changes and is outside

the geographical limits covered by your

policy

• You wish to add another traveller to your

policy

• There are any changes in your health.

We may re-assess your cover and premiums

when we are told about changes in your

circumstances, such as your health. If you

do not tell us about a change in your

circumstances, the wrong terms may be

quoted, a claim might be rejected or payment

could be reduced. In some circumstances your

policy might be invalid.

TRAVEL INSURANCE POLICY DOCUMENT

• Aerobics

• Badminton

• Baseball

• Basketball

• Beach cricket, football and volleyball

• Boogie Boarding

• Bowls

• Cricket

• Croquet

• Curling

• Cycling (no racing)

• Fell Walking

• Fishing

• Golf

• Hiking / Trekking under 4,000m

• Ice Skating

• Jogging

• Manual Work at ground level involving no

machinery*

• Marathon Running

• Mountain Biking on recognised routes

• Raquetball

• Rambling

• Rollerblading or skating

• Rounders

• Rowing

• Sailing (within territorial waters)*

• SCUBA Diving (down to 30m accompanied

by a qualiﬁed diver or instructor)

• Snorkelling

• Softball

• Squash

• Surﬁng

• Swimming

• Table Tennis

• Tennis

• Ten Pin Bowling

• Volleyball

• Walking

• Water Polo

• Windsurﬁng (within territorial waters)*

The following activities are covered under this

policy if professionally organised and supervised

plus you wear appropriate safety equipment

and take appropriate safety precautions

• Abseiling

• Archery

• Banana Boating

• Black Water Rafting

• Bungee Jumping

• Canoeing / Kayaking - no white water

• Clay Pigeon Shooting*

• Fencing

• Flotilla Sailing (with professional leader)

• Go Karting*

• Gymnastics

• Hiking / Trekking between 4,000m and

6,000m

• Horse Riding (no jumping)*

• Hot Air Ballooning

• Indoor Rock Climbing (with belays)

• Jet Biking*

• Jet Skiing*

• Paint Balling

• Parascending over water

• Pony Trekking*

• River Tubing (no white water)

• Safari (game watching)

• Segway Riding (organised tours only)*

• Shooting (not Big Game)*

• Sleigh riding as a passenger

• Swimming with Dolphins

• Trampolining

Leisure and sports activities

All of the following activities are covered by your policy if you do them

during your trip. For all Leisure and Sports Activities, participation in

competition is excluded, unless agreed by us.

17/18

• Tug of war

• Water Skiing (no jumping)

• White Water Rafting

• Ziplining / Zipwiring

• Zorbing.

* No Personal Liability cover.

The following activities are NOT Covered

under this policy

• Base Jumping

• Big Game Hunting

• BMX Stunt Riding

• Bouldering

• Boxing

• Canyoning

• Caving / Pot Holing

• Coasterring

• Cycle Racing

• Dune Buggying

• Flying except as a fare paying passenger

• Free / High Diving

• Gliding

• Hang Gliding

• Horse Jumping / Hunting

• Judo / Karate / Martial Arts

• Kite Surﬁng

• Lacrosse

• Micro Lighting

• Motor Cycling unless on machines of less

than 125cc and where you have held a

motorcycle licence for at least 3 years and

are conviction free and are wearing a helmet

• Mountaineering

• Organised Team Sports

• Parachuting

• Paragliding

• Parascending over land

• Polo

• Professional / Semi Professional Sports

• Quad Biking

• Rock Climbing

• Sailing outside territorial waters

• Sand Buggying

• Scuba Diving below 30m

• Shark Diving

• Street Hockey

• Tomb Stoning

• Track Days using motorised vehicles

• Water Ski Jumping

• Weightlifting

• Wrestling.

Winter Sports

Winter Sports (other than curling or ice

skating) are excluded unless an additional

premium has been paid and accepted. Winter

Sports cover is only available to persons aged

65 years and under purchasing Travel or Travel

Plus cover. Where Winter Sports cover has

been purchased you are covered for up to 24

days on an Annual Multi-Trip policy or for the

dates stated on your Single Trip winter sports

schedule.

The following activities are covered:

• On piste skiing or snowboarding on piste

• Off-piste skiing or snowboarding where

accompanied by a qualiﬁed guide or

instructor

• Cross country skiing on recognised routes

and with a guide

• Ski racing arranged by ski schools for their

pupils

• Sledging.

Examples of Winter Sports activities not

covered are:

• Bobsleighing

• Heli Skiing

• Ice Hockey

• Luging

• Use of Skeletons

• Ski Acrobatics

• Ski Jumping.

Please telephone the Barclays Customer

Helpline on 0330 102 6417 if you are unsure as

to whether your intended activity is covered by

your policy.

TRAVEL INSURANCE POLICY DOCUMENT

Single Trip Cover

• The maximum duration of any one trip on

Travel or Travel Plus cover is 60 days

• Winter Sports or Golf Cover can be included

for the trip duration provided the appropriate

additional premium has been paid

• The maximum duration of any one trip on

Travel Essentials cover is 32 days

• Winter Sports and Golf Cover cannot be

purchased with Travel Essentials cover.

Cancellation cover under this policy begins

from the date that the Policy Document and

Policy Schedule are issued and ends at the

beginning of your trip.

Cover under all other sections applies for

the duration of your trip as shown in the

Policy Schedule.

Annual Multi-Trip Cover

• The maximum duration of any one trip

on Travel and Travel Plus cover is 31 days

unless you have paid an additional premium

to extend this as shown on your schedule.

There is absolutely no cover offered by the

policy whatsoever for trips which are longer

than 31 days per trip or the duration shown

on your schedule. The option to extend your

trip duration is only available to customers

aged 65 and under who have selected Travel

or Travel Plus cover. If you require cover for a

trip in excess of 31 days please contact us

• Winter Sports cover up to a maximum of 24

days in total can be included provided the

appropriate additional premium has been

paid

• The maximum duration of any one trip on

Travel Essentials cover is 21 days. There

is absolutely no cover offered by the policy

whatsoever for trips which are longer than

21 days per trip.

• Winter Sports and Golf Cover cannot be

purchased with Travel Essentials cover

• Annual Multi-Trip cover is not valid for trips

taken within the UK, except when you have

pre-booked accommodation for a minimum

of 2 nights

• Your unmarried dependent children are

only covered when travelling with an adult

covered under your policy.

Renewing your Policy

We may automatically renew your policy

after 12 months, for a further 12 months,

using the payment details you have provided

us with unless you tell us not to. If your card

details change your card provider may supply

us with updated details which we will use at

subsequent renewals. In any event we will

write to you around 28 days in advance of

your renewal date to offer our renewal terms.

If you do not wish to renew please call our

Customer Services team on 0330 102 5942

at least 7 days prior to your renewal date.

If there has been any changes to your

medical condition in the last twelve months,

please contact us on 0330 102 5942 before

renewing your policy.

Automatic Extension of the Period

of Insurance

Your policy automatically extends to provide

cover if you are unable to return home by

the end of the insurance period due to the

death, injury or illness of you or a public

transport delay.

Period of insurance

19/20

How to make a claim for any of

the following:

For all claims follow these simple steps:

1. Check your Policy Schedule to see whether

you have the appropriate cover

2. Find the relevant section listed below

and ensure that you have all the claims

evidence we require. All claims evidence

must be supplied at your own expense in

its original form

3. Contact:

Barclays Travel insurance Claims

PO Box 500

1 Drake Circus

Plymouth

PL1 1QH

Telephone: 0330 102 6416

Please remember to keep copies of all

correspondence you send to us for your future

reference.

Section 1: Medical Emergency and

Repatriation Expenses Section 2: Cutting

Short Your Trip

To make a claim under these sections of your

policy you or anyone on your behalf must

contact the Medical Assistance Helpline as

soon as possible on 020 8763 3196 or from

abroad +44 208 763 3196, but within 48

hours, to authorise any expenses. To make a

claim under these sections of your policy you

must provide us with:

• Tour Operator’s booking invoice or other

evidence of your trip; and

• Hospital, doctor, dentist, pharmacist

receipts and all receipts for additional

expenses; and

• Copy of your European Health Insurance

Card (EHIC), where appropriate.

Section 2: Cancellation/Cutting Short Your Trip

To make a claim under this section of your

policy you must provide us with:

• Tour Operator’s booking invoice or other

evidence of your trip; and

• Tour Operator’s cancellation invoice or

unused ﬂight tickets; or

• Written conﬁrmation that no refund is

available in respect of privately booked

accommodation and evidence of payment

for that accommodation; and

• Conﬁrmation from a medical practitioner

that you or your travelling companion are

not ﬁt to travel; or

• Conﬁrmation from the Clerk of the Courts

ofﬁce that you are required for Jury Service;

• Conﬁrmation from your employer/

your partner’s employer/your travelling

companion’s employer of redundancy and

period of employment or leave cancelled; or

• Conﬁrmation from a relevant authority that

you have been instructed to stay at/return

home; or

• A copy of a death certiﬁcate, where

appropriate.

Section 3: Travel Delay/Missed Departure

To make a claim under this section of your

policy you must provide us with:

• Tour Operator’s booking invoice or other

evidence of your trip; and

• Conﬁrmation from the carrier of the reason

and duration of your delay; or

• Conﬁrmation from a garage/motoring

organisation that breakdown assistance was

provided; or

How to make a claim

TRAVEL INSURANCE POLICY DOCUMENT

• Conﬁrmation of the delay to public transport

from the company involved; or

• Conﬁrmation from the Police (if involved) of

the circumstances giving rise to the claim.

Section 4: Loss of Important Documents

To make a claim under this section of your

policy you must provide us with:

• Tour Operator’s booking invoice or other

evidence of your trip; and

• Original Police report, obtained within

24 hours of the incident or as soon as

reasonably possible after that; and

• Original receipts for obtaining temporary

documents.

Section 5: Mugging Beneﬁt

To make a claim under this section of your

policy you must provide us with:

• Tour Operator’s booking invoice or other

evidence of your trip; and

• Original Police report of the mugging; and

• Details of the length of your stay in hospital.

Section 6: Hijack

To make a claim under this section of your

policy you must provide us with:

• Tour Operator’s booking invoice or other

evidence of your trip; and

• Produce written evidence conﬁrming your

involvement in the incident.

Section 7: Personal Baggage

To make a claim under this section of your

policy you must provide us with:

• Tour Operator’s booking invoice or other

evidence of your trip; and

• Original Police report, obtained within

24 hours of the incident or as soon as

reasonably possible after that; or

• Courier’s report/Property Irregularity

Report (PIR) from the carrier (this must be

obtained immediately you are aware of an

incident); and

• Proof of purchase (e.g. original receipts,

valuations issued prior to the loss, cash

withdrawal slips and credit/debit card

statements etc.); and

• Written estimate for the cost of repair

or written conﬁrmation that the item

is damaged beyond repair, where

appropriate; and

• Household Contents Insurance policy

details (please note this will NOT affect

your Household Insurance premium or No

Claims Discount).

Section 8: Delayed Baggage

To make a claim under this section of your

policy you must provide us with:

• Tour Operator’s booking invoice or other

evidence of your trip; and

• Courier’s report/Property Irregularity

Report (PIR) from the carrier (this must be

obtained immediately you are aware of

an incident).

Section 9: Personal Money

To make a claim under this section of your

policy you must provide us with:

• Tour Operator’s booking invoice or other

evidence of your trip; and

• Original Police report, obtained within

24 hours of the incident or as soon as

reasonably possible after that; and

• Proof of the amount of your loss (e.g. cash

withdrawal slips and credit/debit card

statements etc.).

Section 10: Personal Accident

To make a claim under this section of your

policy you must provide us with:

• Tour Operator’s booking invoice or other

evidence of your trip; and

• Detailed medical report from your

consultant; or

• A copy of a death certiﬁcate, where

appropriate.

21/22

Section 11: Personal Liability

To make a claim under this section of your

policy you must provide us with:

• Tour Operator’s booking invoice or other

evidence of your trip; and

• Any claim form, summons, or other legal

document as soon as you receive them; and

• Any reasonable information or help we

need to deal with the case and your claim.

Please note you must not negotiate, pay,

settle, admit or deny any claim without our

written agreement.

Section 12: Legal Advice and Expenses

To make a claim under this section of your

policy you must telephone the Legal Advice or

Legal Expenses telephone numbers listed on

page 1.

Section 13: Independent Traveller Cover

To make a claim under this section of your

policy you must provide us with:

• Booking conﬁrmation together with a

cancellation invoice from your travel agent,

Tour Operator or provider of transport/

accommodation

• In the case of claims for cutting short your

trip, written details from your travel agent,

Tour Operator or provider of transport/

accommodation of the separate costs of

transport, accommodation and other pre-

paid costs or charges that made up the total

cost of the trip

• Your unused travel tickets

• Written conﬁrmation from your public

transport operator (or their handling agents)

of the cancellation, number of hours delay

or denied boarding and the reason for these

together with conﬁrmation of your check in

times and details of any alternative transport

offered

• Written conﬁrmation from the company

providing the accommodation (or their

administrators), the local police or relevant

authority that you could not use your

accommodation and the reason for this

• Receipts or bills for any transport,

accommodation or other costs, charges or

expenses claimed for

• Written conﬁrmation from the provider

of transport/accommodation that

compensation, assistance or reimbursement

of any costs, charges and expenses incurred

by you will not be provided and the reason

for this.

Section 14: Winter Sports

To make a claim under this section of your

policy you must provide us with:

• Tour Operator’s booking invoice or other

evidence of your trip; and

• Original Police report, obtained within

24 hours of the incident or as soon as

reasonably possible after that; or

• Courier’s report/Property Irregularity Report

(PIR) from the carrier (this must be obtained

immediately you are aware of an incident);

and

• Proof of purchase (e.g. original receipts,

valuations issued prior to the loss, cash

withdrawal slips and credit/debit card

statements etc.); and

• Written estimate for the cost of repair

or written conﬁrmation that the item is

damaged beyond repair, where appropriate;

and

• Household Contents Insurance policy

details (please note this will NOT affect your

Household Insurance premium or No Claims

Discount); and

• A report from the resort manager or Tour

Operator conﬁrming piste closure, where

applicable; and

TRAVEL INSURANCE POLICY DOCUMENT

• Details of the length of your stay in hospital,

where applicable.

Section 15: Golf Cover

To make a claim under this section of your

policy you must provide us with:

• Tour Operator’s booking invoice or other

evidence of your trip; and

• Original Police report, obtained within

24 hours of the incident or as soon as

reasonably possible after that; and

• Courier’s report/Property Irregularity Report

(PIR) from the carrier (this must be obtained

immediately you are aware of an incident);

and

• Proof of purchase (e.g. original receipts,

valuations issued prior to the loss, cash

withdrawal slips and credit/debit card

statements etc.); and

• Written estimate for the cost of repair

or written conﬁrmation that the item is

damaged beyond repair, where appropriate;

and

• Household Contents Insurance policy

details (please note this will NOT affect your

Household Insurance premium or No Claims

Discount).

Section 16: Wedding Cover

To make a claim under this section of your

policy you must provide us with:

• Tour Operator’s booking invoice or other

evidence of your trip; and

• Original Police report, obtained within

24 hours of the incident or as soon as

reasonably possible after that; and

• Courier’s report/Property Irregularity Report

(PIR) from the carrier (this must be obtained

immediately you are aware of an incident);

and

• Proof of purchase (e.g. original receipts,

valuations issued prior to the loss, cash

withdrawal slips and credit/debit card

statements etc.); and

• Written estimate for the cost of repair

or written conﬁrmation that the item is

damaged beyond repair, where appropriate;

and

• Household Contents Insurance policy

details (please note this will NOT affect your

Household Insurance premium or No Claims

Discount).

Section 17: Business Cover

To make a claim under this section of your

policy you must provide us with:

• Tour Operator’s booking invoice or other

evidence of your trip; and

• Original Police report, obtained within

24 hours of the incident or as soon as

reasonably possible after that; or

• Courier’s report/Property Irregularity Report

(PIR) from the carrier (this must be obtained

immediately you are aware of an incident);

and

• Proof of purchase (e.g. original receipts,

valuations issued prior to the loss, cash

withdrawal slips and credit/debit card

statements etc.); and

• Written estimate for the cost of repair

or written conﬁrmation that the item is

damaged beyond repair, where appropriate;

and

• Details of the length of your stay in hospital,

where applicable.

Further to the claims evidence listed, you may

be asked to provide additional information to

substantiate your claim.

23/24

Summary of cover - limits and excesses

Please use the table below as a summary only. The full details of your

insurance cover are set out in your Policy Schedule.

Section Limit Excess Limit Excess Limit Excess

Medical Emergency and

Repatriation Expenses

£10,000,000 £50 £5,000,000 £100 £1,000,000 £150

Cancellation/Cutting

Short Your Trip

£5,000 £50 £2,500 £100 £500 £150

Travel Delay

£250 Nil £200 Nil £120 Nil

Missed Departure

£1,000 Nil £500 Nil £500 Nil

Loss of Important

Documents

£600 £50 n/a n/a n/a n/a

Mugging Beneﬁt

£1,000 Nil £1,000 Nil n/a n/a

Hijack

£1,000 Nil £1,000 Nil n/a n/a

Personal Baggage

(Optional)

£1,500 £50 £1,250 £100 £500 £150

Delayed Baggage

£200 Nil £100 Nil £100 Nil

Personal Money

(Optional)

£500 £50 £400 £100 £250 £150

Personal Accident

£25,000 Nil £15,000 Nil n/a n/a

Personal Liability

£2,000,000 £50 £2,000,000 £100 £1,000,000 £150

Legal Advice

and Expenses

£25,000 £250* £15,000 £250* £10,000 £250*

Independent Traveller

Cover

Cancellation/Cutting Short

Your Trip

£5,000 £50 £2,500 £100 n/a n/a

Substitute Accommodation £5,000 £50 £2,500 £100 n/a n/a

Replacement Flight £1,500 Nil £1,500 Nil n/a n/a

Enforced Stay £1,500 Nil £1,500 Nil n/a n/a

Travel Plus Travel Travel Essentials

* £250 compulsory excess applies to this section of your policy for legal expenses only.

TRAVEL INSURANCE POLICY DOCUMENT

Travel Plus Travel Travel Essentials

Winter Sports (Optional)

Ski Equipment £500 £50 £500 £100 n/a n/a

Ski Pack £400 Nil £400 Nil n/a n/a

Piste Closure £300 Nil £300 Nil n/a n/a

Golf Cover (Optional)

Golf Equipment £1,000 £50 £1,000 £100 n/a n/a

Golf Equipment Hire £400 £50 £400 £100 n/a n/a

Green Fees £200 Nil £200 Nil n/a n/a

Wedding Cover (Optional)

Wedding Rings £600 £50 £600 £100 n/a n/a

Wedding Gifts £1,000 £50 £1,000 £100 n/a n/a

Wedding Attire £1,000 £50 £1,000 £100 n/a n/a

Wedding Photographs £750 £50 £750 £100 n/a n/a

Business Cover (Optional)

Business Equipment £1,000 £50 £1,000 £100 n/a n/a

Business Equipment Delay £500 Nil £500 Nil n/a n/a

Business Equipment Hire £500 £50 £500 £100 n/a n/a

Business Money £1,000 £50 £1,000 £100 n/a n/a

Replacement Staff £1,000 £50 £1,000 £100 n/a n/a

25/26

What is covered

1. Reasonable and necessary medical and

hospital expenses, including the cost of the

rescue service to take you to hospital; and

2. Returning you to the UK provided this is

authorised by us or the Medical Assistance

Helpline; and

3. Reasonable travel and room only

accommodation expenses for a travelling

companion or resident in the UK to stay

with you and travel home with you if this is

authorised by us or the Medical Assistance

Helpline; and

4. Funeral expenses abroad or the cost of

transporting your body or ashes to your home.

For travel to the United States of America

reasonable and necessary medical and hospital

expenses means costs that are incurred for

approved, eligible medical services or supplies.

We will only cover costs of private care up to

150% of the published medical rates for the

same or similar treatment as payable by the

state under US Medicare.

If you are taken to hospital in an emergency,

you or a travelling companion should call the

Emergency Assistance Helpline as soon as

possible once you have been admitted to hospital.

We will pay you up to the amount shown on

your Policy Schedule:

• If you go into hospital or require any medical

assistance; and/or

• If you have to return home early or extend

your trip; or

• For reasonable and necessary funeral

expenses abroad; or

• For transporting your body or ashes back to

your home.

If you require emergency dental treatment for

the immediate relief of pain we will pay you

up to:

Travel Plus cover £500

Travel cover £200

Travel Essentials cover Nil

• As a beneﬁt for every complete 24 hour

period you are in hospital or conﬁned to your

trip accommodation we will pay you

Travel Plus cover £50 per day up to a

maximum of £1,000

Travel cover £20 per day up to a maximum

of £200

Travel Essentials cover £10 per day up to a

maximum of £100

Your Cover

Section 1 - Medical Emergency and

Repatriation Expenses

This section of your policy explains the cover we provide for medical

emergency and repatriation expenses whilst on your trip.

TRAVEL INSURANCE POLICY DOCUMENT

• Towards meal expenses for the nominated

person who stays/travels with you we will

pay you up to £10, if you have selected

Travel Plus cover, for each 24 hour period.

If you are injured or become ill during your trip,

our Medical Assistance Helpline may arrange:

• to move you from one hospital to another;

and /or

• for you to return to the UK at any time.

They will do this if they and the treating doctor

think that it is safe for you to be moved or

returned to the UK. If you choose not to, our

liability will end on the date it was deemed safe

for you to be moved or returned to the UK.

Please note we may instruct you to return

home if our medical advisers and the medical

practitioner treating you decide that you are ﬁt

to travel.

What is not covered

• The excess shown on your Policy Schedule

unless you have used your EHIC card to

contribute towards the cost of treatment

• Any costs arising from your pregnancy or

childbirth if the expected date of delivery is

less than 12 weeks (16 weeks for a multiple

birth) after the end of the trip

• The cost of any medication or drugs which at

the start of your trip you know you will need

• The cost of any treatment or surgery

(including exploratory tests) which is not

directly related to the illness or injury for

which you went into a hospital or clinic

abroad

• The cost of any treatment or surgery

(including exploratory tests) which is as a

result of your participation in a winter sports

activity (unless you have paid the additional

Winter Sports premium and this is shown on

your Policy Schedule)

• Any extra costs as a result of you arranging

single or private room accommodation at

a hospital, clinic or nursing home, except

where this is necessary for your treatment

and approved by the Medical Assistance

Helpline in advance

• Any provision of dentures, false limbs,

hearing aids, contact or corneal lenses or

prescription spectacles

• Any in-patient, hospital, clinic or repatriation

expenses in excess of £500 which have

not been reported to and authorised by the

Medical Assistance Helpline in advance

• The cost of any treatment, surgery

(including exploratory tests), cosmetic or

elective surgery which, in the opinion of

the medical practitioner treating you or the

Medical Assistance Helpline can reasonably

be delayed until you return home

• Any taxi fare, other than those for your

travel to and from hospital, relating to your

admission, discharge or attendance for out-

patient treatment or appointments; or for

the collection of medication prescribed for

you by the hospital forming part of this claim

• Any costs incurred by you to visit another

person in hospital

• Any food, drinks, toiletries and faxes

• The cost of any phone calls, other than:

• calls to the Medical Assistance Helpline

telling them about the problem and for

which you can provide a receipt or other

evidence to show the cost of the call and

the number dialled; or

• costs incurred by you when you receive

calls on your mobile phone from our

Medical Assistance Helpline for which

you are able to provide receipts or other

reasonable evidence to show the cost of

the calls

• Any expenses that arise after we have

instructed you to return home if our medical

advisers and the medical practitioner

treating you decide you are ﬁt to travel

• Any expenses that arise after 12 months of

treatment

27/28

• Any cost where you do not comply with the

treatment agreed by the treating doctor and

the Medical Assistance Helpline

• Any costs which are covered under a

reciprocal health agreement between the

government of the UK and the country

where you were treated including costs

covered by the European Health Insurance

Card (EHIC)

• Anything speciﬁcally excluded under the

General Exclusions section.

TRAVEL INSURANCE POLICY DOCUMENT

What is covered

1. Your share of unused non-refundable pre-

booked travel and accommodation expenses

which you have paid or are contracted to

pay; and

2. Your share of unused non-refundable pre-

booked excursions which you have paid or

are contracted to pay; and

3. Reasonable additional travel and

accommodation expenses which you incur

returning to the UK which on medical advice

is necessary and unavoidable as a result of

bullet point 1 below.

Please note if you are cutting short your

trip payments will be calculated on a pro-

rata basis taking into consideration unused

accommodation and excursions.

We will pay you up to the amount shown on

your Policy Schedule for your share of the cost

of your trip as a result of:

• The death, injury or illness, as certiﬁed by a

medical practitioner, of you, your relative or

colleague or travelling companion or a friend

or relative with whom you had arranged to

stay; or

• Your attendance at a court of law as a

witness (except as an expert witness) or for

Jury Service where postponement of the Jury

Service has been denied by the Clerk of the

Courts Ofﬁce; or

• You or your travelling companion is a

member of the Armed Forces, Police,

Ambulance, Fire or Nursing Service and

authorised leave is cancelled due to an

unexpected emergency or a posting

overseas at the time of your trip; or

• You or your travelling companion are

instructed to stay at home (within 14 days

of your departure date) or return home by

a relevant authority due to severe damage

to your home or place of business in the

UK caused by serious ﬁre, explosion, storm,

ﬂood, subsidence or burglary; or

• The Foreign & Commonwealth Ofﬁce (FCO)

advising against all but essential travel or all

travel to your destination; or

• Your redundancy or that of your travelling

companion or your spouse (including a civil

partner or co-habitee) notiﬁed to you after

the purchase of this policy or after the date

the trip was booked, whichever is the later; or

• Your cancellation of the trip as a result

of a travel delay under Section 3 - Travel

Delay/Missed Departure where the delay

is in excess of 24 hours from the ﬁrst

international departure time speciﬁed in your

ofﬁcial itinerary.

Section 2 - Cancellation/Cutting Short

Your Trip

This section of your policy explains the cover we provide if you cancel or

cut short your trip.

29/30

If you ﬁnd it necessary to cancel your trip you

must do so immediately by notifying the travel

agent, tour operator or provider of transport/

accommodation. Our liability will be restricted

to the cancellation charges that apply on the

date you ﬁrst knew it was necessary to cancel

your trip.

What is not covered

• The excess shown on your Policy Schedule

• Any costs arising from your pregnancy or

childbirth if the expected date of delivery is

less than 12 weeks (16 weeks for a multiple

birth) after the end of the trip

• Any claim as a result of your decision to

cancel/cut short your trip for reasons other

than those listed within this section

• Any additional expenses resulting from you

not cancelling or cutting short your trip as

soon as reasonably possible

• Any claim as a result of your failure to have

the required passport or visa

• Any claim as a result of the failure in provision

of any service connected with your trip

including error, omission, ﬁnancial failure, or

default of, or by the provider of, any service,

travel agent, Tour Operator or organiser

through whom you booked the trip

• Any claim as a result of death or illness of

any pet or animals with exception of guide

dogs

• Any claim as a result of your disinclination to

travel or personal or ﬁnancial circumstances

(other than you being made redundant)

• Any loss in respect of Air Passenger Duty

(this can be reclaimed by you through your

travel agent or airline) or credit card charges

• Any claim if at the time of taking out your

policy or booking a trip, whichever was

the later, your relative, colleague, travelling

companion or a friend or relative with whom

you had arranged to stay had a medical

condition for which he or she:

• was receiving treatment at hospital (other

than where they go to hospital for check-

ups for a stable condition, at regular

intervals which have been arranged

beforehand)

• was waiting for a hospital consultation,

investigations or treatment (other than

where they go to hospital for check-ups

for a stable condition, at regular intervals

which have been arranged beforehand)

• had been given a terminal prognosis, or

been told that their condition is likely to

get worse in the next 12 months.

• Any claim as a result of your late arrival at

the airport, port or station after check-in or

booking-in time

• Any claim as a result of the operation of law

or any unlawful or criminal proceedings of

anyone on whom the trip depends, other than

attendance as a witness at a Court of Law

• Any claim as a result of strike, industrial

action, delays or disruptions if the situation

exists, or is publicly declared on or before

the date your Policy Schedule is issued or

on or before the date you booked your trip,

whichever is later

• Any additional travel and accommodation

expenses incurred that are not considered

necessary or authorised by the Medical

Assistance Helpline in advance

• Any loss of enjoyment of the trip however

caused

• Any claim as a result of your participation in

a winter sports activity (unless you have paid

the additional Winter Sports premium and

this is shown on your Policy Schedule)

• Any unused or refundable portion of your

original travel ticket where repatriation has

been made

• Any claim as a result of your failure to have a

pre-paid return ticket to the UK at the start

of your trip unless otherwise agreed by us in

writing

• Any claim for management fees,

maintenance costs or exchange fees

associated with timeshares, holiday property

bonds or similar arrangements

TRAVEL INSURANCE POLICY DOCUMENT

• Any claim for promotional vouchers or

reward points, without monetary value such

as Air Miles or Avios Points.

• Any claim as a result of you being on a

hospital waiting list and you accept an

appointment that causes you to cancel or

curtail your trip.

• Anything speciﬁcally excluded under the

General Exclusions section.

Please note you cannot claim under both this

section and Section 3 - Travel Delay/Missed

Departure for the same event or series of

events.

31/32

The beneﬁt provided under 1 below is

intended to provide compensation if you are

delayed at your point of departure and is only

applicable if you have travelled there and

checked-in. If you have not travelled to your

departure point you will not be covered even if

you have checked-in online.

What is covered

1. A delay resulting in you departing at least 12

hours after your original scheduled departure

time; and

2. Abandonment of your trip following a

24 hour delay at your ﬁrst international

departure point in the UK; and

3. Arriving too late (as shown on your ticket)

to board your booked transport at your last

departure point from the UK or your last

departure point for your return to the UK as

a result of:

a) Public transport services failing to get

you to your departure point due to

strike, industrial action, adverse weather

conditions, mechanical failure or direct

involvement in an accident; or

b) The private motor vehicle in which you

are travelling being directly involved in an

accident or breaking down.

• As a beneﬁt for the ﬁrst complete 12 hours

of your delay, we will pay you:

Travel Plus cover £30

Travel cover £20

Travel Essentials cover £15

• As a beneﬁt for every complete 12 hour

delay after that, then we will pay you:

Travel Plus cover £20 up to a maximum of

£250

Travel cover £10 up to a maximum of £200

Travel Essentials cover £10 up to a

maximum of £120

As a result of point 2 above we will pay you up

to the amount shown on your Policy Schedule

to refund your share of the cost of your trip

(under Section 2 - Cancellation/Cutting Short

Your Trip); or

As a result of point 3 above we will pay for

your reasonable and necessary extra travel and

accommodation expenses (room only) to allow

you to get to your trip destination or to return

home up to:

Travel Plus cover £1,000

Travel cover £500

Travel Essentials cover £500

Please note for residents of Northern Ireland

cover will also be provided for the cost of a

ﬂight or sea vessel journey interconnecting

with the last ﬂight or sea vessel journey from

the international departure point from or to

mainland UK or other European terminal.

Section 3 - Travel Delay/Missed

Departure

This section of your policy explains the cover we provide for travel delay or

missed departure whilst on your trip.

TRAVEL INSURANCE POLICY DOCUMENT

What is not covered

• Any trips within the UK (except for trips to

the Channel Islands)

• Any claim unless you have written

conﬁrmation from the carrier or their

handling agents detailing the reason for the

delay, the scheduled departure time and the

actual departure time

• Any additional expenses incurred as a

result of a delay to your original scheduled

departure time

• Any claim where the carrier or their handling

agents provide alternative transport which

departs within 12 hours of the original

scheduled departure time

• Any claim as a result of the airline over

booking your ﬂight

• Any claim as a result of strike or industrial

action, delays or disruptions arising from

weather conditions which had started or

were publicly declared on or before the date

your Policy Schedule is issued or on or before

the date you booked your trip, whichever is

later

• Any claim as a result of your failure to check-

in at your departure point by the time shown

on your travel itinerary except in those

circumstances outlined in point 3

• Any claim as a result of heavy trafﬁc, road

closures or an accident that you are not

directly involved in

• Any claim as a result of your failure to allow

sufﬁcient time for the public transport to

arrive on schedule and deliver you to your

departure point

• Any claim as a result of your private motor

vehicle in which you are travelling not having

been properly serviced and maintained, in

the event of vehicle breakdown

• Anything speciﬁcally excluded under the

General Exclusions section.

Please note that you cannot claim under both

part 3 of this section and part D Enforced Stay

of section 13: Independent Traveller Cover.

33/34

What is covered

1. Loss or theft of your passport; and

2. Loss or theft of your driving licence; and

3. Loss or theft of your travel documents.

We will pay you up to £600 for:

• A temporary travel permit whilst on your

trip; and

• A replacement passport when you are back

in the UK; and

• The replacement or restoration of your

driving licence and travel documents listed

above; and

• Your reasonable travel and accommodation

expenses in obtaining replacement

documents whilst on your trip.

What is not covered

• The excess shown on your Policy Schedule

• Any claim for the loss or theft of items

that are not kept on your person or not

deposited in a safe or safety deposit box, or

similar locked ﬁxed receptacle in your trip

accommodation

• Any claim for items packed in suitcases

or other similar personal baggage or in

containers, which are out of sight and

out of personal control where you are

not in a position to prevent unauthorised

interference with your property

• Any claim for the loss of your passport not

reported to the Police and the Consular

Representative of the relevant issuing

country within 24 hours of discovery or as

soon as reasonably possible after that and a

written report is not obtained from them

• Any claim for the loss of your driving licence

or travel documents not reported to the

Police within 24 hours of discovery or as

soon as reasonably possible after that and a

written report is not obtained from them

• Any claim for loss or damage arising from

conﬁscation or detention by Customs or

other ofﬁcials

• Anything speciﬁcally excluded under the

General Exclusions section.

Section 4 - Loss of Important Documents

This section only applies to Travel Plus cover.

This section of your policy explains the cover we provide for lost or stolen

important documents whilst on your trip.

TRAVEL INSURANCE POLICY DOCUMENT

What is covered

1. Your hospital admittance as a result of

mugging.

As a beneﬁt for every complete 24 hour period

you are in hospital we will pay you £50 up to

£1,000.

What is not covered

• Any claim if you do not obtain a Police

report of the mugging and conﬁrmation

of your injuries and period of in-patient

treatment from the hospital

• Anything speciﬁcally excluded under the

General Exclusions section.

Section 5 - Mugging Beneﬁt

This section only applies to Travel and Travel Plus cover.

This section of your policy explains the cover we provide if you are

hospitalised as a result of a mugging whilst on your trip.

35/.36

What is covered

We will pay a beneﬁt of £50 per full 24 hours

up to £1,000 for the duration of the hijack.

Special Conditions relating to claims

You must produce independent evidence in

writing to support your claim.

What is not covered

• Anything speciﬁcally excluded under the

General Exclusions section.

Section 6 - Hijack

This section only applies to Travel and Travel Plus cover.

This section of your policy explains the cover we provide if the aircraft or

ship that you are on is hijacked whilst on your trip.

TRAVEL INSURANCE POLICY DOCUMENT

What is covered

We will pay you up to the amounts shown in

your Policy Schedule for the accidental loss of,

theft of or damage to your personal baggage.

The amount payable will be the value at

today’s prices less a deduction for wear,

tear and depreciation or we may at our

discretion replace, reinstate or repair the lost

or damaged baggage.

Claims will be considered on a new for old

basis provided the item is less than 2 years old

at the date of the incident and you are able to

provide the original purchase receipt.

All other items will be subject to a suitable

deduction for wear and tear and depreciation

or we may at our option replace, reinstate or

repair the lost, stolen or damaged personal

baggage.

Please note we may not pay your claim if you

are unable to provide any original receipts,

proofs of purchase or insurance valuations

(issued before the loss, theft or damage). You

must retain all damaged items for inspection,

if required.

What is not covered

• The excess shown on your Policy Schedule

• Any claim for one article, pair or set of

articles which are complementary or used or

worn together over

Travel Plus cover £300

Travel cover £250

Travel Essentials cover £150

• Any claim for valuables totalling over

Travel Plus cover £500

Travel cover £250

Travel Essentials cover £250

• Any loss or theft of your personal baggage

or valuables that you do not report to the

Police within 24 hours of discovery or as

soon as reasonably possible after that and

for which you do not get a written report

from them

• Any loss or theft of or damage to your

personal baggage whilst in the custody of

an airline or other carrier unless you report

it immediately on discovery to the carrier

and get a written report. In the case of an

airline you will need a Property Irregularity

Report (PIR)

• Any winter sports equipment (this is

covered under the Winter Sports section,

if the appropriate additional premium has

been paid)

Section 7 - Personal Baggage

This section only applies if you have chosen to include this cover and this

is shown on your Policy Schedule.

This section of your policy explains the cover we provide for your personal

baggage whilst on your trip.

37/38

• Any golf equipment (this is covered under

the Golf Cover section, if the appropriate

additional premium has been paid)

• Any loss or theft of or damage to fragile

articles, contact or corneal lenses, bicycles or

business goods or samples

• Any loss or theft of or damage to sports

equipment whilst in use

• Any loss of or damage to your personal

baggage or valuables caused by normal

wear and tear, gradual deterioration or

mechanical or electrical breakdown, decay,

moth, vermin, atmospheric or climatic

conditions

• Any loss or theft of your personal baggage

or valuables left out of sight and out of

personal control in public places where you

are not in a position to prevent unauthorised

interference with your property e.g. station,

airport, restaurant, beach, etc.

• Any loss of valuables packed in a suitcase or

similar container (other than normal hand

luggage) unless they are they are at all

times attended by you

• Any loss of valuables unless they are at

all times attended by you, or left in hotel

security, safety deposit box, safe or similar

locked ﬁxed receptacle.

• Any loss or theft of your personal baggage

from an unattended vehicle unless between

the hours of 09:00 and 21:00 and locked in

the boot, covered luggage area or locked

glove compartment and following physical

evidence of forcible entry and reported to

the Police within 24 hours of discovery or as

soon as reasonably possible after that and a

written report is obtained from them

• Any loss of or damage to your valuables

(other than wedding rings) while you are

swimming

• Any loss or theft of your personal baggage

left in the custody of a person who does

not have ofﬁcial responsibility for the

safekeeping of the property

• Any delayed baggage claim without a proof

of purchase

• Anything speciﬁcally excluded under the

General Exclusions section.

TRAVEL INSURANCE POLICY DOCUMENT

What is covered

If your personal baggage is mislaid on your

outward journey for more than 12 hours from

the time you arrive at your trip destination.

We will pay you up to:

Travel Plus cover £200

Travel cover £100

Travel Essentials cover £100

In order for you to purchase essential toiletries,

medication and clothing.

If we pay your claim under this section we will

deduct the amount from the ﬁnal settlement

of any claim you make under Section 7 -

Personal Baggage, if your personal baggage is

found to be permanently lost.

What is not covered

• Any delay to your personal baggage

whilst in the custody of an airline or other

carrier unless you report it immediately on

discovery to the carrier and get a written

report. In the case of an airline you will need

a Property Irregularity Report (PIR)

• Any delayed baggage claim without a proof

of purchase

• Anything speciﬁcally excluded under the

General Exclusions section.

Section 8 - Delayed Baggage

This section of your policy explains the cover we provide if your personal

baggage is delayed whilst on your trip.

39/40

What is covered

1. Loss or theft of your personal money

We will pay you up to the amount shown on

your Policy Schedule to:

• Reimburse your personal money

We agree to provide the cover in this section

as long as:

• You have taken reasonable care in

protecting your personal money and

documents against loss, theft or damage;

and

• You have notiﬁed the Police within

24 hours of discovery or as soon as

reasonably possible after that and

obtained a written report from them and

enclose this with your claim form.

What is not covered

• The excess shown on your Policy Schedule

• Any claim for cash over the value of:

Travel Plus cover £300

Travel cover £200

Travel Essentials cover £100

In respect of children under the age of 16

years £50 for cash

• Any loss or theft of your personal money

that is not on your person or not deposited

in a safe or safety deposit box, or similar

locked ﬁxed receptacle in your trip

accommodation

• Any personal money packed in a suitcase

or other similar personal baggage or in

containers which are out of sight and

out of personal control where you are

not in a position to prevent unauthorised

interference with your property

• Any loss or damage arising from

conﬁscation or detention by Customs or

other ofﬁcials

• Any depreciation in value, currency changes

or shortage caused by any error or omission

• Anything speciﬁcally excluded under the

General Exclusions section.

Section 9 - Personal Money

This section only applies if you have chosen to include this cover and this

is shown on your Policy Schedule.

This section of your policy explains the cover we provide for your personal

money whilst on your trip.

TRAVEL INSURANCE POLICY DOCUMENT

What is covered

1. Permanent total disablement as a result of

an accident; or

2. Permanent loss of or loss of use of one or

more limbs as a result of an accident; or

3. Permanent and complete loss of all sight in

one or both eyes as a result of an accident;

4. Death as a result of an accident.

We will pay you the amount shown on your

Policy Schedule (limited to £2,500 if you are

under the age of 16 years or over the age of

64 years at the time of the accident) if you

suffer:

• Permanent total disablement as a result of

an accident; or

• Permanent loss of or loss of use of one or

more limbs as a result of an accident; or

• Permanent and complete loss of all sight in

one or both eyes as a result of an accident.

We will pay your legal personal

representative(s) £10,000 (Travel Plus cover)

or £5,000 (Travel cover) (limited to £2,500 if

you are under the age of 16 years or over the

age of 64 years at the time of the accident)

for your:

• Death as a result of an accident.

Please note the maximum amount of all

beneﬁts we will pay under this section for

one or more accidents sustained by you

shall not exceed the amount shown on your

Policy Schedule.

What is not covered

• Any claim which does not occur within 12

months of the accident

• Any claim as a result of a business trip

within the UK unless you are travelling as a

fare paying passenger on public transport

• Any claim for sickness, disease, nervous

shock or naturally occurring condition or

degenerative process.

• Anything speciﬁcally excluded under the

General Exclusions section.

Section 10 - Personal Accident

This section only applies if you have selected Travel and Travel Plus cover.

This section of your policy explains the cover we provide for a personal

accident whilst on your trip.

41/42

What is covered

1. Injury, illness, death or disease to another

person that you cause; and

2. Loss of or damage to another person’s

property that you cause.

We will pay you up to the amount shown on

your Policy Schedule for:

• Legal costs and expenses you become

legally liable to pay as compensation for any

incident or series of incidents; and

• Your costs and expenses that we have

agreed in writing.

Please note our total liability under this section

for any one incident or series of incidents shall

not exceed the amount shown on your Policy

Schedule.

You must send us any claim form, summons

or other legal documents as soon as you

receive them. You must also give us any

information and help we need to deal with

the case and your claim. You must not

negotiate, pay, settle, admit or deny any claim

without our written agreement.

What is not covered

• The excess shown on your Policy Schedule

• Any claim as a result of a business trip

within the UK unless you are travelling as a

fare paying passenger on public transport

• Any claim arising directly or indirectly for any

liability for injury, illness, death or disease

to another person or loss of or damage to

another person’s property:

a) Where cover is provided under any other

insurance.

b) Which is suffered by anyone who is under

a contract of service with you or any

member of your family and is caused by

the work you employ them to do.

c) Which is caused by any deliberate,

unlawful, malicious or wilful act or

omission by you.

d) Which is made against you by a relative.

e) Which is caused by your ownership, care,

custody or control of any animal.

f) Which falls on you by agreement and

would not have done if such agreement

did not exist.

g) Which is caused by your employment,

profession or business or that of any

member of your family.

h) Which is subject to any criminal

proceedings.

i) Which is due to your ownership,

possession or use of vehicles, aircraft,

watercraft, ﬁrearms or explosive devices.

j) Which is caused by your ownership or

occupation of land or buildings (other

than occupation only of any temporary

residence, with the exception of time-

share).

k) Anything speciﬁcally excluded under the

General Exclusions section.

Section 11 - Personal Liability

This section of your policy explains the cover we provide for personal

liability whilst on your trip.

TRAVEL INSURANCE POLICY DOCUMENT

What is covered

1. Reasonable and necessary costs and

expenses to claim against a third party who

causes the death of or injury to you; and

2. Conﬁdential free legal advice over the

phone on any personal legal problem, if the

incident occurs in or under the laws of the

member countries of the European Union,

the Isle of Man, the Channel Islands, Norway

and Switzerland on telephone number

01455 254170.

We will pay you up to the amount shown on

your Policy Schedule for:

• Reasonable and necessary costs and

expenses.

We agree to provide the cover in this section

as long as:

• Any legal proceedings will be dealt with by

the court or other body which we agree to in

the territorial limit; and

• For civil claims it is always more likely than

not that you will recover damages (or other

legal remedy which we have agreed to) or

make a successful defence.

What is not covered

• The excess shown on your Policy Schedule

• Any claim as a result of death or injury which

develops gradually or is not caused by an

accident

• Defending your legal rights (however

defending a counterclaim is covered)

• Any claim reported to us more than 180

days after you should have known about the

insured incident

• Any ﬁnes, penalties, compensation or

damages which you are ordered to pay by a

court or other authority

• Any claim as a result of an incident

intentionally brought about by you

• Any claim as a result of your alleged

dishonesty or alleged violent behaviour

• Any costs and expenses that are incurred

where we agree a contingency fee

arrangement with the representative

• Any claim as a result of you driving a motor

vehicle for which you do not have valid motor

insurance

• Any claim against Barclays Insurance Services

Company Limited, us, the insurer or our

agents

• Any cost and expenses incurred before our

written acceptance of the claim

• Any claim as a result of written or verbal

remarks which damage your reputation

• Any application for Judicial Review

• Any legal action that you take which we or

the representative have not agreed to or

where you do anything that hinders us or

the representative

• Any claim against a relative

• Any claim where the General conditions

applying to Section 12 - Legal Advice and

Expenses have not been followed

• Anything speciﬁcally excluded under the

General Exclusions section.

Section 12 - Legal Advice and Expenses

This section of your policy explains the cover we provide for legal advice

and expenses whilst on your trip.

43/44

General conditions applying to Section 12 -

Legal Advice and Expenses:

1. You must:

a) Take reasonable steps to keep any

amount we have to pay as low as

possible; and

b) Send everything we ask for in writing; and

c) Give us full details in writing of any claim

as soon as possible and give us any

information we need.

2. a) We can take over and conduct in your

name any claim or legal proceedings at

any time; and

b) We can negotiate any claim on your

behalf; and

c) You are free to choose a representative

(by sending us a suitably qualiﬁed

person’s name and address) if:

i) We agree to start court proceedings

and it becomes necessary for a lawyer

to represent your interests in those

proceedings; or

ii) There is a conﬂict of interest.

We will consider your choice of

representative and will approve your

choice if you can satisfy us that your

nominated representative has the

appropriate skills and experience to

handle your claim. If we cannot agree

with your choice of representative we will

explain why and you may choose another

suitably qualiﬁed person. If we and you

cannot reach agreement then General

Condition 7 will apply

d) In all circumstances except those in

2 c) above, we are free to choose a

representative

e) Any representative will be appointed by

us to represent you according to our

standard terms of appointment. The

representative must co-operate fully with

us at all times

f) We will have direct contact with the

representative

g) You must co-operate fully with us and

the representative and must keep us up

to date with the progress of the claim

h) You must give the representative any

instructions that we require.

3. a) You must tell us if anyone offers to settle

a claim

b) If you do not accept a reasonable offer

to settle a claim, we may refuse to pay

further costs and expenses

c) We may decide to pay you the amount of

damages that you are claiming, or which

is being claimed against you, instead of

starting or continuing legal proceedings.

4. a) You must tell the representative to have

costs and expenses taxed, assessed or

audited, if we ask for this

b) You must take every step to recover

costs and expenses that we have to pay,

and must pay us any costs and expenses

that are recovered.

5. If the representative refuses to continue

acting for you with good reason or if you

dismiss the representative without good

reason, the cover we provide will end at

once, unless we agree to appoint another

representative.

6. If you settle a claim or withdraw it without

our agreement, or do not give suitable

instructions to a representative, the cover

we provide will end at once and we will be

entitled to reclaim any costs and expenses

we have paid.

7. If we and you disagree about the choice

of representative, or about the handling of

a claim, we and you can choose another

suitably qualiﬁed person to decide the

matter. We must both agree to the choice

of this person in writing. Failing this, we will

ask the president of a relevant national law

society to choose a suitably qualiﬁed person.

TRAVEL INSURANCE POLICY DOCUMENT

All costs of resolving the disagreement must

be paid by the party whose argument is

rejected.

8. We may, at our discretion, require you to

obtain, at your expense, an opinion from

a lawyer or other suitably qualiﬁed person

chosen by you and us, as to the merits of a

claim or proceedings. If the chosen person’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, we will

pay the cost of obtaining the opinion.

9. We will not pay any claim covered under

any other policy, or any claim that would

have been covered by any other policy if this

policy did not exist.

10. All Acts of Parliament mentioned in your

policy include equivalent laws in Scotland,

Northern Ireland, the Isle of Man and the

Channel Islands as the case may be.

45/46

A. Cancellation/Cutting Short

Your Trip section is extended

to include the following cover.

What is covered

a) if you were not able to travel and use your

booked accommodation; or

b) if the trip was cut short before completion

as a result of

i) the Travel Advice Unit of the Foreign

& Commonwealth Ofﬁce (FCO) or the

World Health Organisation (WHO) or

similar body issuing a directive:

1. prohibiting all travel or all but essential

travel to; or

2. recommending evacuation from the

country or speciﬁc area or event to

which you were travelling providing

such directive came into force after

you purchased this insurance or

booked the trip (whichever is the

later), or in the case of cutting short

your trip after you had left the UK to

commence the trip

ii) the insolvency of your scheduled airline

iii) the insolvency of the providers of your

accommodation

iv) ﬁre, ﬂood, earthquake, explosion

hurricane, tsunami, landslide, avalanche,

volcanic eruption or storm making your

accommodation uninhabitable

v) an outbreak of food poisoning

or an infectious disease at your

accommodation resulting in its closure

during your trip

vi) strike leading to the cancellation of your

international transport from the UK

vii) the Channel Tunnel being closed for 24

hours from the date and time of your

scheduled departure as shown on your

ticket/itinerary

viii) an airport or port you were due to travel

from or through being closed for 24

hours from the date and time of your

scheduled departure as shown on your

ticket/itinerary

ix) air space being closed for 24 hours from

the date and time of your scheduled

departure, as shown on your ticket/

itinerary.

Section 13 - Independent Traveller Cover

This section is only available on Travel and Travel Plus Cover.

This section only applies if you are an independent traveller and have booked

your accommodation and travel separately and not as part of a package.

Please note: You may claim only under Part A or B of this Section for the

same event but not both.

TRAVEL INSURANCE POLICY DOCUMENT

We will pay you for any irrecoverable unused

travel and accommodation costs (including

unused kennel or cattery fees) and other pre-

paid charges including airport parking, car hire,

excursions up to

Travel Plus cover £5,000

Travel cover £2,500

and up to a maximum of £250 in respect of

green fees where the appropriate Golf Cover

premium has been paid which you have paid

or are contracted to pay together with any

reasonable additional travel expenses incurred.

What is not covered

• The excess shown on your Policy Schedule

• Any costs incurred by you which are

recoverable from the transport operator

or for which you receive or are expected

to receive compensation, damages,

refund of tickets, meals, refreshments,

accommodation, transfers, communication

facilities or other assistance

• Any costs incurred by you which are

recoverable from the company providing the

accommodation or for which you receive

or are expected to receive compensation or

reimbursement

• Any accommodation costs, charges and

expenses where the transport operator

has offered reasonable alternative travel

arrangements

• Any costs which you would have expected

to pay during your trip

• Any claims arising directly or indirectly

from circumstances known to you prior

to the date this insurance is purchased

by you or the time of booking any trip

(whichever is the later) which could

reasonably have been expected to give rise

to cancellation or cutting short the trip

• Claims arising directly or indirectly from

strike or industrial action existing or declared

publicly by the date this insurance is

purchased by you

• Scheduled ﬂights not booked in the UK

• Scheduled ﬂights not booked through

a bonded travel agent or direct with a

scheduled airline

• The ﬁnancial failure of

o Any scheduled airline which is insolvent

at the date this insurance is purchased

by you or at the time of booking any trip

(whichever is the earlier)

o Any scheduled airline which is bonded

or insured elsewhere (even if the bond is

insufﬁcient to meet the claims)

o Any travel agent, tour organiser, booking

agent or consolidator with whom you

have booked a scheduled ﬂight

• Costs which you can recover from

elsewhere. For example, payments

recoverable from your credit or debit card

issuer

• Anything speciﬁcally excluded under the

General Exclusions section.

B. Substitute Accommodation

Cover

What is covered

If you need to move to alternative

accommodation on arrival or at any other time

during the trip because you cannot use your

booked accommodation as a result of the

following events:

1. insolvency of the providers of your

accommodation.

2. ﬁre, ﬂood, earthquake, explosion

hurricane, tsunami, landslide, avalanche,

volcanic eruption or storm making your

accommodation uninhabitable.

3. an outbreak of food poisoning or an

infectious disease.

47/48

We will pay you for reasonable additional

accommodation and transport costs

incurred, up to the standard of your original

booking up to

Travel Plus cover £5,000

Travel cover £2,500

Special conditions

1. You must obtain written conﬁrmation from

the company providing the service or the

local Police that you could not use your

accommodation and the reason for this.

What is not covered

• The excess shown on your Policy Schedule

• Any costs incurred by you which are

recoverable from the transport operator

or for which you receive or are expected

to receive compensation, damages,

refund of tickets, meals, refreshments,

accommodation, transfers, communication

facilities or other assistance

• Any costs incurred by you which are

recoverable from the company providing the

accommodation or for which you receive

or are expected to receive compensation or

reimbursement

• Any accommodation costs, charges and

expenses where the transport operator

has offered reasonable alternative travel

arrangements

• Any costs which you would have expected

to pay during your trip

• Any claims arising directly or indirectly from

circumstances known to you prior to the

date this insurance is purchased by you or

the time of booking any trip (whichever

is the later) which could reasonably have

been expected to give rise to cancellation or

cutting short the trip

• Claims arising directly or indirectly from

strike or industrial action existing or declared

publicly by the date this insurance is

purchased by you

• Anything speciﬁcally excluded under the

General Exclusions section.

C. Replacement Flight

What is covered

In the event of insolvency of your scheduled

airline after departure, we will pay up to

£1,500 for;

a) additional pro rata costs incurred by

you in replacing that part of the ﬂight

arrangements to a similar standard to that

originally booked; or

b) the cost of return ﬂights to the UK to a

similar standard to that originally booked, if

abandonment of the trip is unavoidable.

What is not covered

• Scheduled ﬂights not booked in the UK.

• Scheduled ﬂights not booked through

a bonded travel agent or direct with a

scheduled airline.

• The ﬁnancial failure of

o Any scheduled airline which is insolvent

at the date this insurance is purchased

by you or at the time of booking any trip

(whichever is the earlier).

o Any scheduled airline which is bonded

or insured elsewhere (even if the bond is

insufﬁcient to meet the claims).

o Any travel agent, tour organiser, booking

agent or consolidator with whom you

have booked a scheduled ﬂight.

• Costs which you can recover from

elsewhere. For example, payments

recoverable from your credit or debit card

issuer.

TRAVEL INSURANCE POLICY DOCUMENT

D. Enforced Stay

What is covered

If you are unable to return home to the UK on

your scheduled return date due to;

a) the airspace being closed; or

b) the airport or port that you are scheduled

to travel from or through is closed (and

you purchased your ticket before it was

announced the airport/port was closed); or

c) the Channel Tunnel is closed (and you

purchased your ticket before it was

announced the tunnel was closed),

we will pay you

i) £100 for every complete 24 hour period

that you are unable to return home, up to a

maximum of £1,500;

ii) Up to £1,000 for any necessary and

reasonable additional travel expenses

where after a period of 24 hours or more,

you unavoidably have to make immediate

alternative arrangements to return home

and your travel provider cannot provide

alternative travel arrangements.

We will also pay up to £200 for emergency

replenishment of prescription medication

that you require to prevent a deterioration

or exacerbation of a pre-existing medical

condition, in the event that your existing

supplies run out after the date that you were

scheduled to return home.

What is not covered

• In respect to part (b) only, the refunded

amount of any unused return travel costs

recoverable from your originally booked

travel provider or any other source.

• The cost of prescription medication where

you have not declared a pre-existing medical

condition(s) or declined to accept the terms

of our medical pre-screening which apply to

your pre-existing medical condition(s).

• The cost of prescription medicine where you

have not taken sufﬁcient supplies with you

to last the period of your trip.

• Anything speciﬁcally excluded under the

General Exclusions section.

Please note that you cannot claim under both

part D Enforced Stay of this section and part 3

of section 3: Travel Delay/Missed Departure.

49/50

Cover is provided under this section (up to

a maximum of 24 days in total during the

insurance period if you have Annual Multi-Trip

insurance or for the trip duration if you have

Single Trip insurance).

What is covered

1. Loss or theft of or damage to your winter

sports equipment; and

2. Your hire of winter sports equipment if

required as a result of point 1 above; and

3. Your hire of winter sports equipment if

required as a result of the misdirection

or delay on your outward journey of your

winter sports equipment for more than 2

hours; and

4. Reimbursement of any unused ski pack,

ski hire or tuition fees as a result of your

accident or sickness; and

5. Loss or theft of your ski pass; and

6. The closure of all pistes in your resort, if you

are unable to ski for a continuous period in

excess of 12 hours as a result of:

• Lack of snowfall

• Excessive snowfall

• Bad weather.

We will pay you up to £500 (£100 if winter

sports equipment is hired) to:

• Replace, reinstate or repair your winter

sports equipment.

We will pay you £20 per day (up to a

maximum of £300) for:

• Your hire of winter sports equipment in

relation to points 2 and 3.

We will pay you up to £200 per 7 day period

(up to a maximum of £400) to:

• Reimburse you the proportionate value of

any unused ski pack in relation to points 4

and 5.

We will pay you £30 per day (up to a

maximum of £300):

• As a beneﬁt in relation to point 6; or

• Towards transportation costs to travel to an

alternative site in relation to point 6.

Claims will be considered on a new for old

basis for items owned by you provided the

item is less than 2 years old at the date of

the incident and you are able to provide the

original purchase receipt. All other items will

be subject to a suitable deduction for wear

and tear and depreciation or we may at our

option replace, reinstate or repair the lost,

stolen or damaged winter sports equipment.

Section 14 - Winter Sports

This section only applies if you have chosen to include this cover and this

is shown on your Policy Schedule.

This section is only available on Travel and Travel Plus cover.

This section of your policy explains the cover we provide for winter sports

whilst on your trip.

TRAVEL INSURANCE POLICY DOCUMENT

Please note we may not pay your claim if you

are unable to provide any original receipts,

proofs of purchase or insurance valuations

(issued before the loss, theft or damage). You

must retain all damaged items for inspection,

if required.

What is not covered

• The excess shown on your Policy Schedule

under point 1

• Any claim as a result of participation

in off-piste skiing whereby you are not

accompanied by a qualiﬁed ski, snow board

instructor or mountain guide who holds the

appropriate liability insurance

• Any claim as a result of participation in

winter sports activities when avalanche

warnings are current

• Any claim as a result of participation in

winter sports activities undertaken in the

Northern Hemisphere outside the period

from 15th December to 15th April or in the

Southern Hemisphere outside the period 1st

October to 31st May in relation to point 6

• Any loss or theft of or damage to your

winter sports equipment whilst in use

• Any loss of or damage to your winter sports

equipment arising from conﬁscation or

detention by Customs or other ofﬁcials

• Any loss of or damage to your winter sports

equipment caused by normal wear and

tear, gradual deterioration or mechanical or

electrical breakdown, decay, moth, vermin,

atmospheric or climatic conditions

• Any loss or theft of or damage to your

winter sports equipment whilst in the

custody of an airline or other carrier unless

you report it immediately on discovery to

the carrier and get a written report. In the

case of an airline you will need a Property

Irregularity Report (PIR)

• Any loss or theft of your winter sports

equipment or ski pass that you do not

report to the Police within 24 hours of

discovery or as soon as reasonably possible

after that and for which you do not get a

written report from them

• Any loss or theft of your winter sports

equipment or ski pass left out of sight and

out of personal control in public places

where you are not in a position to prevent

unauthorised interference with your

property e.g. station, airport, restaurant

etc unless your skis or snowboard has

been chained to something that cannot

be moved and is immobilised by a security

device

• Any loss or theft of your winter sports

equipment or ski pass from an unattended

vehicle unless between the hours of 09:00

and 21:00 whereby your winter sports

equipment was secured within a purpose

built and locked container fastened to

the exterior of the vehicle or locked in

the boot, covered luggage area or locked

glove compartment and following physical

evidence of forcible entry and reported to

the Police within 24 hours of discovery or as

soon as reasonably possible after that and a

written report is obtained from them

• Any loss or theft of your winter sports

equipment or ski pass left in the custody

of a person who does not have ofﬁcial

responsibility for the safekeeping of the

property

• Any claim that is not conﬁrmed as medically

necessary by the Medical Assistance

Helpline and where a medical certiﬁcate

has not been obtained from the attending

medical practitioner conﬁrming that you are

unable to ski and unable to use the ski pack

facilities

• Any claim as a result of piste closure which

is not substantiated by a report from the

resort management or your Tour Operator

51/52

• Any claim as a result of piste closure

which was known to you on or before the

date your Policy Schedule is issued or on

or before the date you booked your trip,

whichever is earlier

• Anything speciﬁcally excluded under the

General Exclusions section.

TRAVEL INSURANCE POLICY DOCUMENT

What is covered

1. Loss or theft of or damage to your golf

equipment; and

2. The cost of hiring golf equipment; and

3. The loss of pre-booked and non-refundable

green fees.

We will pay you up to £1,000 to:

• Replace, reinstate or repair your golf

equipment which is lost, stolen or damaged.

You must retain all damaged items for

inspection, if required.

We will pay you up to £50 per day (up to a

maximum of £400) to:

• Cover the cost of hiring golf equipment in

the event your golf equipment is lost, stolen

or delayed on your outward journey for over

2 hours from the time you arrived at your

trip destination.

You must keep all receipts for the hire of

golf equipment and enclose them with your

claim form.

We will pay you up to £40 per day (up to a

maximum of £200) for:

• The loss of pre-booked and non-refundable

green fees if the pre-booked course at your

trip destination becomes unplayable due to

adverse weather conditions.

Claims will be considered on a new for old

basis provided the item is less than 2 years old

at the date of the incident and you are able to

provide the original purchase receipt. All other

items will be subject to a suitable deduction

for wear and tear and depreciation or we may

at our option replace, reinstate or repair the

lost, stolen or damaged golf equipment. Please

note we may not pay your claim if you are

unable to provide any original receipts, proofs

of purchase or insurance valuations (issued

before the loss, theft or damage).

What is not covered

• The excess shown on your Policy Schedule

• Any claim over £300 for any one article or

club

• Any claim as a result of your disinclination to

play

• Any loss or theft of or damage to your golf

equipment whilst in use

• Any loss or theft of your golf equipment that

you do not report to the Police within 24

hours of discovery or as soon as reasonably

possible after that and for which you do not

get a written report from them

• Any loss or theft of or damage to your

golf equipment whilst in the custody of an

airline or other carrier unless you report

it immediately on discovery to the carrier

and get a written report. In the case of an

airline you will need a Property Irregularity

Report (PIR)

Section 15 - Golf Cover

This section only applies if you have chosen to include this cover and this

is shown on your Policy Schedule.

This cover is only available on Travel and Travel Plus cover.

This section of your policy explains the cover we provide for golf trips.

53/54

• Any loss of or damage to your golf

equipment caused by normal wear and

tear, gradual deterioration or mechanical or

electrical breakdown, decay, moth, vermin,

atmospheric or climatic conditions

• Any loss or theft of your golf equipment

left out of sight and out of personal

control in public places where you are

not in a position to prevent unauthorised

interference with your property e.g.

station, airport, clubhouse etc

• Any loss or theft of your golf equipment

from an unattended vehicle unless between

the hours of 09:00 and 21:00 and locked

in the boot or covered luggage area and

following physical evidence of forcible

entry and reported to the Police within 24

hours of discovery or as soon as reasonably

possible after that and a written report is

obtained from them

• Any loss or theft of your golf equipment

left in the custody of a person who does

not have ofﬁcial responsibility for the

safekeeping of the property

• Anything speciﬁcally excluded under the

General Exclusions section.

TRAVEL INSURANCE POLICY DOCUMENT

The following section of cover will not apply to

trips within the United Kingdom.

Important Note

All conditions and exclusions included within

the Personal Baggage section also apply to

this section.

What is covered

1. The cost of repair if economical, or

otherwise the cost of a replacement

wedding ring as new, less deductions for

wear, tear or depreciation, if your wedding

ring is lost, damaged or stolen during the

period of the trip up to a maximum of £600

in respect of each insured person.

2. The cost of repair if economical, or

otherwise the cost of replacement wedding

gifts as new, less deductions for wear,

tear or depreciation, if your wedding gifts

taken or acquired during your trip are lost,

damaged or stolen during the period of the

trip up to a maximum of £1,000 in respect

of each insured couple.

3. The cost of repair if economical, the hire

if available or otherwise the cost of similar

replacement wedding attire as new, less

deductions for wear, tear or depreciation,

if your wedding attire that is to be worn

speciﬁcally by you on your wedding day is

lost, damaged or stolen during the period

of the trip up to a maximum of £1,000 in

respect of each insured couple.

4. Reasonable additional costs you incur

to reprint the photographs or retake the

photographs or video recordings, if the

professional photographer who was pre-

booked to take the photographs or video

recordings on your wedding day, is unable

to fulﬁl such obligations due to illness, injury

or unavoidable and unforeseen transport

problems or if the photographs or video

recordings of the wedding day taken

by a professional photographer are lost,

damaged or stolen during the period of the

trip up to a maximum of £750 in respect of

each insured couple.

What is not covered

• Anything speciﬁcally excluded under Section

7 - Personal Baggage

• Anything speciﬁcally excluded under the

General Exclusions section.

Section 16 - Wedding Cover

This section only applies if you have chosen to include this cover and this

is shown on your Policy Schedule.

This cover is only available on Travel and Travel Plus cover.

This section of your policy explains the cover we provide for weddings.

55/56

A. Business Equipment

What is covered

In addition to the cover provided under Section

7 - Personal Baggage:

1. accidental loss of, theft of or damage to

business equipment and business samples

2. emergency courier expenses necessarily

incurred in replacing business equipment or

business samples essential to your intended

business itinerary.

We will pay you up to £1,000 to

• replace, repair or reinstate your business

equipment

We will pay up to £500 to

• replace, repair or reinstate your business

samples

We will pay up to £150

• for emergency courier expenses

The amount payable will be the value at

today’s prices less a deduction for wear,

tear and depreciation or we may at our

discretion replace, reinstate or repair the lost

or damaged items.

The maximum we will pay for any one article,

pair or set of articles is £500.

3. Receipts for items lost, stolen or damaged

must be retained as these will help you to

substantiate your claim.

What is not covered

• The excess shown on your Policy Schedule

• Anything speciﬁcally excluded under Section

7 - Personal Baggage

• Business equipment or business samples

left unattended at any time (including in the

custody of a carrier) unless deposited in a

hotel safe, safety deposit box, left in your

locked accommodation or in the locked boot

or covered luggage area of a motor vehicle

in which you are travelling and evidence of

forcible and violent entry to the vehicle is

available

• Loss or damage due to delay, conﬁscation

or detention by customs or other authority.

• Wear and tear, depreciation, deterioration or

loss or damage by atmospheric or climatic

conditions, by moth, by vermin, by any

process of cleaning, repairing or restoring

mechanical or electrical breakdown

• Loss of, theft of or damage to ﬁlms, tapes,

cassettes, cartridges or discs other than

for their value as unused materials unless

purchased pre-recorded when we will pay

up to the maker’s latest list price

• Anything speciﬁcally excluded under the

General Exclusions section.

Section 17 - Business Cover

This section only applies if you have chosen to include this cover and this

is shown on your Policy Schedule.

This cover is only available on Travel and Travel Plus policies with Annual

Multi-Trip cover and is limited to 5 business trips per period of insurance.

TRAVEL INSURANCE POLICY DOCUMENT

B. Business Equipment Delay

What is covered

In addition to Section 8 - Delayed Baggage:

We will pay you up to £500 for the cost

of buying essential items if your business

equipment or business samples are misplaced

by your carrier for more than 12 hours during

the outward part of your business trip.

You must keep all receipts for essential

purchases made and any amount paid will be

deducted from the ﬁnal claim settlement under

this section if the items are permanently lost.

What is not covered

• Any delay to your personal baggage

whilst in the custody of an airline or other

carrier unless you report it immediately on

discovery to the carrier and get a written

report. In the case of an airline you will need

a Property Irregularity Report (PIR)

• Any delayed baggage claim without a proof

of purchase

• Anything speciﬁcally excluded under the

General Exclusions section.

C. Business Equipment Hire

What is covered

Emergency hire of replacement business

equipment if your business equipment or

business samples are:

a) accidentally lost, stolen or damaged

b) misplaced by your carrier for more than

12 hours during the outward part of your

business trip.

We will pay you up to £500 for emergency

equipment hire

What is not covered

• The excess shown on your Policy Schedule

• Anything speciﬁcally excluded under Section

7 - Personal Baggage

• Business equipment or business samples

left unattended at any time (including in the

custody of a carrier) unless deposited in a

hotel safe, safety deposit box, left in your

locked accommodation or in the locked boot

or covered luggage area of a motor vehicle

in which you are travelling and evidence of

forcible and violent entry to the vehicle is

available

• Loss or damage due to delay, conﬁscation

or detention by customs or other authority

• Wear and tear, depreciation, deterioration or

loss or damage by atmospheric or climatic

conditions, by moth, by vermin, by any

process of cleaning, repairing or restoring

mechanical or electrical breakdown

• Loss of, theft of or damage to ﬁlms, tapes,

cassettes, cartridges or discs other than

for their value as unused materials unless

purchased pre-recorded when we will pay

up to the maker’s latest list price

• Any delay to your personal baggage

whilst in the custody of an airline or other

carrier unless you report it immediately on

discovery to the carrier and get a written

report. In the case of an airline you will need

a Property Irregularity Report (PIR)

• Any delayed baggage claim without a proof

of purchase

• Anything speciﬁcally excluded under the

General Exclusions section.

57/58

D. Business Money

What is covered

1. Accidental loss, theft or damage to business

money.

We will pay you up to £1,000 to:

• Reimburse your business money.

The maximum we will pay in respect of cash

is £500.

We agree to provide the cover in this section

as long as:

• You have taken reasonable care in

protecting your personal money and

documents against loss, theft or damage;

and

• You have notiﬁed the Police within

24 hours of discovery or as soon as

reasonably possible after that and

obtained a written report from them and

enclose this with your claim form.

What is not covered

• The excess shown on your Policy Schedule

• Loss, theft of or damage to business money

unattended at any time (including in a

vehicle or in the custody of carriers) unless

deposited in a hotel safe, safety deposit box

or left in your locked accommodation

• Loss, theft of or damage to travellers’

cheques if you have not complied with

the issuer’s conditions or where the issuer

provides a replacement service

• Loss or damage due to delay, conﬁscation

or detention by customs or other authority

• Loss or damage due to depreciation in

value, variations in exchange rates or

shortages due to error or omission

• Anything speciﬁcally excluded under the

General Exclusions section.

E. Replacement Staff

What is covered

1. Reasonable additional accommodation and

travelling expenses incurred in arranging for

a colleague or business associate to take

your place on a pre-arranged business trip in

the event that:

a) you die.

b) you are unable to make the business trip

due to you being hospitalised or totally

disabled as conﬁrmed in writing by a

medical practitioner.

c) your close relative or close business

associate in the United Kingdom dies, is

seriously injured or falls seriously ill.

We will pay up to £1,000:

• For reasonable additional accommodation

and travelling expenses.

Special Conditions relating to claims

1. All losses must be supported by a report

from a medical practitioner.

2. Receipts for costs being claimed must

be retained as these will help you to

substantiate your claim.

What is not covered

• Additional costs under b) above if you were

totally disabled, hospitalised or you were on

a waiting list to go into hospital at the time

of arranging the business trip

• Additional costs under b) and c) above if

you were aware of circumstances at the

time of arranging the business trip which

could reasonably have been expected to

give rise to cancellation of the business trip

• Any loss or damage arising out of you

engaging in manual work

• Interruption of your business or any other

non-insured loss

• Anything speciﬁcally excluded under the

General Exclusions section.

TRAVEL INSURANCE POLICY DOCUMENT

1. Any pre-existing medical condition that

exists either at the time your policy starts

or at the time of booking your trip (unless

terms were agreed in writing by us) or any

associated condition.

2. Your failure to obtain any recommended

vaccines, inoculations or medications prior

to your trip.

3. You travelling against the advice of a

medical practitioner or for the purpose of

having medical treatment on the trip.

4. You or your travelling companion having

received a terminal prognosis, unless in

respect of cancellation under Section 2 -

Cancellation/Cutting Short Your Trip the

terminal prognosis was received after the

date of booking the trip.

5. War, terrorist action (except under Section

1 - Medical Emergency and Repatriation

Expenses, Section 10 - Personal Accident

and Section 13 - Independent Traveller

Cover), invasion, act of foreign enemy,

hostilities (whether or not war has been

declared), civil war, rebellion, military or

usurped power, riot or civil commotion,

or if you have deliberately put yourself in

danger.

6. Any travel undertaken against Foreign &

Commonwealth Ofﬁce (FCO) advice or

where it is deemed unsafe for you to travel.

If you are unsure please contact them on

0845 850 2829 or www.fco.gov.uk/travel.

7. Ionising radiations or contamination by

radioactivity from any nuclear fuel or

any nuclear waste from the combustion

of nuclear fuel, or the radioactive toxic

explosive or other hazardous properties of

any explosive nuclear machinery or parts.

8. Pressure waves caused by aircraft and

other aerial devices travelling at sonic or

supersonic speeds.

9. Conﬁscation or destruction of property

by any Customs, Government or other

Authority of any country.

10. Engaging in leisure and sports activities

which are not accepted in writing by us

11. Wilfully self-inﬂicted injury or illness or

solvent abuse.

12. The misuse of alcohol including alcohol

withdrawal or you being under the

inﬂuence of drugs (except those prescribed

by your registered medical practitioner, but

not when prescribed for the treatment of

drug addiction).

13. Your suicide or attempted suicide or

putting yourself at risk unless you are

attempting to save a human life.

14. Any dishonest, malicious or criminal act

committed by you or any person with

whom you are in collusion, or insurance

arranged in circumstances where a claim

might reasonably be anticipated.

15. You electing to travel on a trip which

exceeds your permitted trip duration.

General exclusions

Your policy does not cover you for any claim directly or indirectly resulting

from any of the following:

59/60

16. Claims, other than under Section 1 -

Medical Emergency and Repatriation

Expenses, Section 10 - Personal Accident

and Section 13 - Independent Traveller

Cover for any actual or anticipated failure

of any computer or electronic device,

or component or system or embedded

programming or software (whether or not

belonging to you or in your possession).

17. Psychiatric disorders, depression, anxiety,

stress or phobias.

18. Your participation in winter sports unless

the appropriate additional premium has

been paid and is shown on your Policy

Schedule.

19. Any losses that are not directly associated

with the incident that caused you to claim

for example, loss of earnings due to being

unable to return to work following injury or

illness happening while on a trip or the cost

of replacing locks in the event that keys are

lost while on a trip.

20. Any amount recoverable from any other

source.

21. Any trip where you have already left the UK

at the time of purchasing this insurance,

except where you renew an existing annual

multi-trip policy which falls due for renewal

during the trip.

22. Claims where there is another insurance

policy covering the same risk.

23. Your own unlawful action or any criminal

proceedings against you.

24. You drinking too much alcohol where

it is reasonably foreseeable that such

consumption could result in a serious

impairment of your faculties and/or

judgement resulting in a claim. We do

not expect you to avoid alcohol on your

trip but we will not cover any claim arising

because you have drunk so much alcohol

that your judgement is seriously affected

and you need to make a claim as a result.

25. Any claim arising from the unauthorised

use of a swimming pool outside the

speciﬁed times of opening.

26. Any claim arising from you climbing on top

of, or jumping from a vehicle; or jumping

from a building or balcony; or climbing

or moving from any external part of any

building to another (apart from stairs)

regardless of the height, unless your life is

in danger or you are attempting to save

human life.

27. Any claim where you are not wearing a

helmet whilst on a motorcycle.

28. Any claim where you are not wearing a

seatbelt when travelling in a motor vehicle,

where a seatbelt is available.

29. Any claims where you were not ﬁt to

undertake your trip when booking your trip

or purchasing this policy whichever is the

later.

TRAVEL INSURANCE POLICY DOCUMENT

You have the right to expect the best possible

service and support. If we have not delivered

the service that you expected or you are

concerned with the service provided, we would

like the opportunity to put things right. If you

feel we have fallen short of our standards,

please contact the Customer Relations Team.

Post: Customer Relations Department

Barclays Travel Insurance

1 Drake Circus

Plymouth, PL1 1QH

Telephone: 0330 100 7701. For your

protection calls may be recorded and may be

monitored.

E.mail: customerrelations.plymouth@

cignainsurance.co.uk

What to do if you are still not satisﬁed.

If you are still not satisﬁed then you may be

able to refer your complaint to the Financial

Ombudsman Service. You must approach

the Financial Ombudsman Service within

six months of our ﬁnal response to your

complaint. We will remind you of the time

limits in the ﬁnal response.

Financial Ombudsman Service

Exchange Tower,

Harbour Exchange Square,

London

E14 9SR

Telephone 0800 0 234 567, free for people

phoning from a “ﬁxed line” (for example, a

landline at home) or 0300 123 9 123, free for

mobile-phone users who pay a monthly charge

for calls to numbers starting 01 or 02.

Email: complaint.info@ﬁnancial-

ombudsman.org.uk

Website: www.ﬁnancial-ombudsman.org.uk

We must accept the Ombudsman’s ﬁnal

decision, but you are not bound by it and may

take further action if you wish.

Your rights as a customer to take legal action

remain unaffected by the existence or use

of our complaints procedure. However the

Financial Ombudsman Service may not

adjudicate on any cases where litigation has

commenced.

Complaints procedure

61/62

Please make sure that you read and understand

this Data Protection notice as it explains to you

what we will do with the information that you

give us. If you apply for our products and/or

services it is highly likely that we will need both

personal and sensitive data about yourself and

anyone else who is covered by the application

form in order to administer the insurance policy

and any claims which may arise. You should

show this notice to any other person covered

under your insurance policy. If your application

includes other individuals we will assume that

they have given their consent to you for you to

give their information to us.

By “your information” we mean personal

(including information you provide us which

may include sensitive personal data such as

health and conviction details) and ﬁnancial

information we obtain from you or from third

parties, such as, joint account holders, credit

reference agencies (who may use the Electoral

to check your information), fraud prevention

agencies or other organisations when you

apply for an account or any other product or

service or which you or they give to us at any

other time.

If you provide personal and ﬁnancial

information relating to others (e.g. family

members or travelling companions) for

the purpose of taking out this policy or

administering your policy or handling a claim,

you conﬁrm that you have their consent or are

entitled to provide this information to us.

• People who provide a service to us or are

acting as our agents, on the understanding

that they will keep the information

conﬁdential

Data Protection Act and using your

information

The Data Controllers

The Data Controllers will be Cigna Insurance

Services (Europe) Limited, Barclays Bank UK

PLC and Barclays Insurance Services Company

Limited.

Protection of your personal data

We, Barclays Bank UK PLC and other members of

the Barclays Group will collect, use, share and store

your information for research and analysis, and to

develop and improve our services to

you and other customers, and to protect our

interests. We will also use your information to

manage your policy(ies), provide our services,

to prevent and detect fraud, money laundering and

other crime, and to meet our obligations to any

regulatory authorities.

We, Barclays Bank UK PLC and other members of

the Barclays Group will use your information

to inform you by letter, telephone, text (or similar

messages), digital television, e-mail and other

electronic methods, about products and services

(including those of others) which may be of

interest to you. You may tell us if you do not wish

to receive marketing communications from us,

Barclays Bank UK PLC and other

members of the Barclays Group by writing

to us or by visiting your local branch and providing

your full name, address and account details and

the types of communication

that you no longer wish to receive (e.g. mail,

telephone or email).

We, Barclays Bank UK PLC and other members

of the Barclays Group may give information about

you and how you use your products and services

to the following:

• Anyone to whom we transfer or may

transfer our rights and duties under this

agreement

• We may also give out information about

you if we have a duty to do so or if the law

allows us to do so.

Otherwise we will keep information about you

conﬁdential.

If we transfer your information to a service

provider or agent in another country, we will

ensure that the same levels of protection

are applied as we are required to apply to

information held in the UK, and that they

use your information only for the purpose of

providing the service to us.

Inaccurate data

If you believe that we are holding inaccurate

information about you, please contact the

team responsible for administering your policy

and they will be happy to correct any errors.

Telephone calls

Please note that for our mutual protection

telephone calls to FirstAssist may be monitored

and/or recorded.

Fraud prevention, detection & claims history

In order to prevent and detect fraud we may at

any time:

• Share information about you with other

organisations and public bodies including

the Police;

• Check and/or ﬁle your details with fraud

prevention agencies and databases, and if

you give us false or inaccurate information

and we suspect fraud, we will record this.

We and other organisations may also search

these agencies and databases to;

o Help make decisions about the provision

and administration of insurance,

credit and related services for you and

members of your household;

o Trace debtors or beneﬁciaries, recover

debt, prevent fraud and to manage your

accounts or insurance policies;

o Check your identity to prevent money

laundering, unless you furnish us with

other satisfactory proof of identity

o Undertake credit searches and additional

fraud searches.

We can supply on request further details of the

databases we access or contribute to.

Accessing your personal data

You can ask for a copy of the information held

about you by contacting us, a fee may be

charged for this service.

The Data Protection Team

Radbroke Hall

Cheshire

WA16 9EU

Or for information held by FirstAssist contact:

Customer Services

PO Box 500

1 Drake Circus

Plymouth

PL1 1XB

Tel. 0845 026 7199.

TRAVEL INSURANCE POLICY DOCUMENT

We, Barclays Bank UK PLC and other members

of the Barclays Group will also share your

information with insurers, and their agents, on an

ongoing basis and in the normal course of

servicing and administering your insurance.

For more details on accessing information held

about you by Barclays Bank UK PLC, write to:

63/64

TRAVEL INSURANCE POLICY DOCUMENT

65/66

You can get this in Braille, large print or audio by calling

0800 400 100* (via Text Relay if appropriate) or by ordering

online from barclays.co.uk/accessibleservices/

*Call monitoring and charges information

Calls may be recorded for security and training purposes. Calls to 03 telephone numbers cost no more than calls

to geographic numbers (01 or 02) from both landlines and mobiles & calls to 0800 telephone numbers, from

landlines and mobiles, are free.

Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register no 312078).

Registered in England. Registered No: 973765. Registered Ofﬁce: 1 Churchill Place, London E14 5HP.

Cigna Insurance Services (Europe) Limited is registered in England & Wales No.4617110. Registered Ofﬁce: Chancery House, St Nicholas Way, Sutton,

Surrey. SM1 1JB. Cigna Insurance Services (Europe) Limited is authorised and regulated by the Financial Conduct Authority Financial Services register

no 310671

Cigna Europe Insurance Company S.A.-N.V., UK Branch, Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. Registered in Belgium with limited

liability (Brussels trade register no. 0474624562), Avenue de Cortenbergh 52, 1000 Brussels, Belgium. Subject to the prudential supervision of the

National Bank of Belgium, Boulevard de Berlaimont 14, 1000 Brussels (Belgium) and to the supervision of the Financial Services and Markets Authority

(FSMA), rue du Congrès 12-14, 1000 Brussels (Belgium), in the ﬁeld of consumer protection and subject to limited regulation by the Financial Conduct

Authority. Details of the extent of our regulation by the Financial Conduct Authority are available on request.

BTRVPD (09-15)